Whether you’re shopping for a new or used vehicle or are looking to save money on your current auto loan by refinancing, we want to help you get the best financing possible with our competitive low rates.
As a member, you can benefit from loyalty rate discounts, skip up to two payments each year with our Skip-A-Pay Program, and the option of 90 days until your first payment. Plus, for a limited time we are giving you $250 cash back into your pocket – just to say “Thank You” for being a member.
We’ve got you covered with various ways to save, ensuring you find the road that leads to more cash in your pocket.
Hit the breaks for affordable interest rates – often lower than traditional banks. View current rates.
Drive today, pay later. Your first payment won’t be due for 3 months after closing.2
As a member benefit, reduce your loan rate with up to .30% in loyalty rate discounts!3
We help members in heroic professions save money on their auto loan with up to .50% in vehicle loan rate discounts!5
Free up some funds by skipping a qualified loan payment without impacting your credit score.6
Share the benefits of lower rates and higher returns we offer with your friends and family and earn extra rewards.7
1Limited time offer valid July 24th through September 30, 2023. Offer valid on new and pre-owned auto purchases and refinances received during promotional period with a minimum loan amount of $25,000 and a minimum loan term of 37 months. Only direct financing qualifies, recreational vehicles and motorcycles are excluded from this promotion. $250 rebate will be deposited into the loan holder's primary savings account within 45 days of loan funding. Loan must be funded within 30 days of application. Refinance restrictions apply. May not be combined with "Rate Match" offer. One offer per member please. Existing Members Choice Credit Union auto loans are ineligible for this refinancing offer. Other terms and conditions may apply.
2Interest still accrues during this time.
3Up to .30% in loyalty rate discounts: .10% for an automatic loan payment transfer from an MCCU checking account, .10% for checking account direct deposit at the time of funding, .10% for a new or increased Credit Card.
4Typical turnaround for in person, phone or online applications is within 24 hours, if application is received during business hours. Weekend applications get processed the following business day.
5Helping Hero Savings Program: Offer valid for individuals in the following eligible professions and are subject to verification: Medical Professionals such as doctors and nurses, Active-Duty Law Enforcement Officers, Active-Duty Military and Military Veterans, Teaching Profession – Teachers and Administrative Staff. Applicants must select "I qualify as a HERO" in the online application process in order for applicable discounts and savings to apply. You must be a member or eligible for membership to qualify. Rates, terms and conditions are subject to change without notice. Heroic professions receive a .50% rate reduction on Vehicle Loans with a loan term of 37 months or higher.
6The Skip-a-Pay allows members to skip qualified loan payments. Only two Skip-a-Pays may be granted per calendar year. The following Members Choice loan types are not eligible for the Skip-a-Pay program: Any loan over $75k, any real estate loan (including Mortgages, Home Equity, Home Improvement, land loans and HELOCs) or line of credit, credit cards, business loans, share secured, stock secured, CD secured, student loans, Smart Choice auto lease, any loan originated within the past six (6) months, loans not serviced by Members Choice and any delinquent loan. Any currently delinquent loan or a loan which has been previously delinquent, may be ineligible. Any payment deferrals or previous extensions may affect eligibility. Loan must have at least six (6) payments credited. By enrolling in Skip-a-Pay, you agree to the terms and conditions and you are requesting Members Choice to skip one monthly payment and advance the due date of your regular monthly payment by one month. Choosing to defer/skip payments on your loan(s) may affect future payment on Life, Disability or GAP claims.
7Membership eligibility to be determined at the time of account opening. Please see here for more details. Each member is eligible for up to $500 in referral rewards each year. Please allow 4-6 weeks for delivery of your Reward Card after both parties complete all offer requirements. Read full Referral Program Terms and Conditions.
If not currently a Members Choice member a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.
About Members Choice Credit Union
At Members Choice, we strive to exceed your expectations. We believe in people-helping-people by providing sound financial solutions and resources, as well as sharing our passion for supporting the community. As a full-service financial institution based in Houston, Texas, we have proudly served the West Houston, Katy, and Cy-Fair areas for over 81 years.
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