Looking for a financial boost? A personal loan is your go-to solution for various needs. Whether it's covering unexpected expenses, funding a dream vacation, or consolidating those high interest credit cards, a personal loan offers flexibility and ease. You'll benefit from lower interest rates and one easy payment, so you can focuson what matters most without the financial stress.
Rate Discounts
Members are eligible for rate discounts, plus HERO members get an additional discount perk.1
Quick and easy application
Your online application can be completed within 15 minutes!
No extra fees
With no hidden fees—no application fee or origination fee—save your money for what you need most.
Need a Little Breathing Room? Skip a Payment.
When life gets expensive, eligible members can skip a qualified unsecured personal loan payment and keep more cash in their pocket, without impacting their credit score. Read more about how our members can qualify.
Compare Personal Loan Options
**For homeowners. Certain tax benefits may not apply. You should consult your tax advisor for information regarding the deductibility of interest and charges.
Start off with an estimated rate quote – No credit pull required
Fill out the short form below to hear from a Loan Officer within the next business day.
Ready to get your personal loan started?
Our local team of loan officers can work with you to find the best options for your personal loan.
Apply Online
Call us at 281.754.1470 to ask questions or start a loan application by phone.
Apply in a Branch
To apply in branch, book an in-person appointment at a branch near you
A quick loan solution with no application or origination fees.
Disclosures
*Annual Percentage Rate (APR) is accurate as of September 24, 2026. Rates are subject to change without notice. Each application is evaluated on an individual basis. Loan advances are granted based upon the applicant(s) credit history, ability to repay, purpose, stability and collateral. Loan advances are not granted based upon method of repayment. On variable rate loans, the Annual Percentage Rate (APR) for new advances and existing balances is based on an index which is the highest Prime Rate as published in the Money Rates section of The Wall Street Journal on the 15th day of the month for the preceding three months and is subject to change monthly. The index figure is posted in the lobby of each credit union office.
1 Members Choice members can get up to 1.75% in rate discounts for personal loans: .25% for an automatic loan payment transfer from an MCCU checking account, 1.00% for MCCU checking account direct deposit within 60 days of funding with a minimum of $1,000 per month, .25% for a new or existing MCCU Credit Card, and .25% for MCCU Payment Protection. Hero Member Discounts are limited to individuals in the following Professions: Medical Professionals such as doctors and nurses, Active-Duty Law Enforcement Officers, Active-Duty Military and Military Veterans, Teaching Profession – Teachers and Administrative Staff. Members Choice Hero members may qualify for the following loan benefits: 1) an additional 1.00% rate reduction on Personal Unsecured Signature Loans on top of other available rate discounts excluding HomeRewards Personal Loan and 2) an additional 0.50% rate reduction on Vehicle Loans on top of other available rate discounts excluding loan terms of 12-36 months. Vehicle Loan discounts may not be applied to the Match or Beat a Program, and existing MCCU vehicle loans may not be refinanced. You must select “I qualify as a HERO” in the application to receive this benefit. Subject to verification.
2 Unsecured/Signature Personal Loan: Annual Percentage Rate of 8.24% is for an approximate term of 12 months. Payment example: 12 monthly payments of $87.10 per $1,000 borrowed at 8.24%. Standard rate discounts have been applied to the rate of Personal Loan 0 - 12 Months%. HERO Members may be eligible for additional discounts. We offer other terms up to 84 months.