*Annual Percentage Rate (APR) is accurate as of January 16, 2025. Rates are subject to change without notice. Rates shown reflect available rate discounts. Print Current Loan Rates (PDF)

1 Members Choice will do one “hard pull” credit inquiry when you apply for a loan. During the application process, we will review your credit and discuss other loans you may qualify for based on your creditworthiness. If you decide to proceed with an additional lending product application at the same time, the first credit inquiry will be used and Members Choice will not do a second inquiry for the additional application. 

2 Auto Loans: Members Choice members can get up to .50%  in rate discounts: .10% for an automatic loan payment transfer from an MCCU checking account, .30% for checking account direct deposit at the time of funding, .10% for a new or increased Credit Card. Annual Percentage Rate of 4.49% is for an approximate term of 12-36 months. Payment example: 12 monthly payments of $85.37 per $1,000 borrowed at 4.49%. Discounts have been applied to the rate of 4.49%. We offer other terms up to 84 months. For vehicles with mileage above 100,000 a rate increase of 1.00% will apply.

3 Personal Loans: Members Choice members can get a 3.00% rate discount for an Unsecured Personal Loan when used for Debt Consolidation purposes. Limited time offer valid for applications received after January 15, 2025, and may end any time without notice. Minimum term is 25 months. No other discounts will apply. Other rates and terms are available. Subject to credit review. May not be combined with other offers. Other terms and conditions may apply. Annual Percentage Rate of 7.99% is for an approximate term of 25-36 months. Payment example: 12 monthly payments of $86.98 per $1,000 borrowed at 7.99%. Discounts have been applied to the rate of 7.99%. We offer other terms up to 72 months.

4 Credit Cards: Credit Card Annual Percentage Rates (APR) accurate as of December 31, 2024. For a complete summary of our credit card rates and solicitation disclosure, Print Current Credit Card Rates (PDF). Introductory rate of 0% for 6 months on purchases and an introductory rate of 0% for 12 months on balance transfers from the date of account opening. After introductory period ends, the APR will be  11.00% up to 18.00% based on your creditworthiness, when you open your account. This APR will vary with the market based on the Prime Rate. Balance transfer must be initiated within the first 180 days of account opening in order to qualify for introductory rate. A balance transfer could take up to six weeks to appear on your new card, depending on your previous card issuer. Check your accounts to track progress, and make sure you continue to make at least the minimum payment on the card you transferred the balance from on time to avoid late fees. 3% Balance Transfer Fee.

All memberships and credit products are subject to approval including credit approval.

About Members Choice Credit Union
At Members Choice Credit Union, we are more than a financial institution; we are your partners in bringing you closer to the life you aspire to live. For over 80 years, we've been dedicated to empowering families across Houston, Texas. Whether it’s buying your first home, driving off in a new car, building your savings, or becoming debt-free, we provide the tools and support to help you pursue your goals with confidence. Join us in discovering your version of "the good life". 

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