Take charge of your spending, saving, and budgeting
LIMITED TIME OFFER: Get up to 2.00% in Loyalty Rate Discounts1
Whether you're paying off your old student loans, consolidating your debts, paying for appliance or vehicle repair, or planning a dream vacation, a Members Choice personal loan can be a great option when you don't have — or don't want to tie up — the cash you have on hand.
With our HomePlus, Signature Loan and CD Secured Loan options, you’ll get fixed-rate payments and no prepayment penalties. Check our current competitive rates for personal loans. View Loan Rates
Unsecured HomePlus Personal Loan – for Homeowners**
If you need a quick loan solution for debt consolidation, home repairs or other personal funds, a HomePlus Personal Loan rewards you for home ownership without adding a lien on your current home. You can get from $10,000 to $30,000 of cash without the fees and expense of home equity closing costs.
- Loyalty Rate Discount Options – Get up to 1.50% in rate discounts: .75% for 15-year homeownership (.25% for every 5 years), .25% for a mortgage with MCCU, .25% for an auto loan with MCCU, .25% for an automatic loan payment transfer from a MCCU checking account.
Unsecured Personal Loan – Signature Loan
Our Signature Loans offer the stability of fixed monthly payments and a set low rate over a specific time frame. You'll get the cash you need upfront and all at once.
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LIMITED TIME Loyalty Rate Discount Options1 – Get up to 2.00% in rate discounts: .50% for an automatic loan payment transfer from an MCCU checking account, 1.00% for checking account direct deposit at the time of funding, .50% for a new or increased Credit Card.
CD Secured or Share Secured Loan
Already have a Members Choice CD or Share Account? You could borrow against your already-established account with a CD Secured or Share Secured Loan. Get the same options as a Signature Loan but with a lower rate. It’s an easy approval process, plus, it’s a great option to build or repair credit.
Personal Line of Credit
Prepare for planned and unexpected expenses with a line of credit. Borrow against your line of credit and then repay the funds plus the variable rate interest over a specified term. Withdrawals in branch or at an ATM means you'll have flexible access to funds when you need them.
Compare Personal Loan Options
*APR = Annual Percentage Rate
**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.
LIMITED TIME OFFER: Get up to 2.00% in Loyalty Rate Discounts on Unsecured Signature Personal Loans1
A quick loan solution with no application or origination fees.
Disclosures
*APR = Annual Percentage Rate. Rates are subject to change without notice. Rates shown reflect available rate discounts. 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 Review current loan rates and terms. Rates are subject to change without notice. Rates shown reflect available rate discounts. Members Choice members can get up to 2.00% in rate discounts: .50% for an automatic loan payment transfer from an MCCU checking account, 1.00% for checking account direct deposit at the time of funding, .50% for a new or increased Credit Card. Limited time offer. No other discounts will apply. Other rates and terms are available.