Members Choice
is by your side. 

We're here to serve and support you, our members.

We understand that over the next few months you or a family member might need extra support as we transition to a new normal together and begin the recovery from the impact of COVID-19. Whether that be with managing your payments, funding purchases or reducing debt, our team is here to help you with financial resources and programs to support your needs.

Open a New Loan and Get 3 Months Payment Free

Now is a great time to open any auto or personal loan for debt consolidation or other needs. Not only could you have a better rate, you could also choose to defer payments for the first 90 days.* Enjoy the extra time you have to meet other payment obligations or help save for your cash cushion. View our current rates.
*interest still accrues during this time

Member Advantage Programs Made For You

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Home Equity and Home Improvement Loans

If you need more than $35,000 in cash, you can unlock the value of your home to get more funds during this downturn—finance your home improvements or take care of any debt consolidation. By borrowing against the equity you've already built in your home, you’ll have extra cash for wherever you need it.

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HomePlus Loans (Unsecured Personal Loan)1

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. Within 24 hours, you can get from $10,000 to $30,000 of cash without the expense of home equity closing costs. Take advantage of no fees and the option of no payments for 90 days. 

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Cash-Out Auto Loans

With cash-out refinancing, you can get some extra cash to afford anything you may need down the road, all in one convenient monthly car payment. By switching your current auto loan to a new one with us, you can use the equity you’ve already built in your vehicle to borrow against it. Take advantage of a lower rate and have the option of no payments for 90 days.


Any Questions?

To take advantage of any of these programs, follow the detailed links to start the process online.  Our dedicated team of representatives is equipped to handle all of your needs remotely.

Or find a branch near you for an in-person visit (limited access - social distancing measures are in place).

Call us at 281.398.9900 or contact us through this form if you are looking for other assistance links or information not outlined here.

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Credit Card for Basic Necessities

This may be the time for an emergency or backup credit card for those unexpected purchases of food, medication and other necessities. All of our credit cards have the benefit of a 0% intro APR* rate for the first six months on all new credit cards, plus a low rate after the intro period ends.

*Annual Percentage Rate. After introductory period ends, the APR will be 6.75% up to 18.00% based on your creditworthiness.

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Easier Access to Your Savings Account

You may now make an unlimited number of remote transfers* and withdrawals from your savings or money market account without leaving your home.

*Remote transfers include Online Banking transfers, phone requests for share to share transfers, cashiers checks payable to a third party, and wire transfers to a third party. 

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Credit Card Limit Increase

If you already have a Members Choice credit card with good payment history for the last six months, you could get access to a credit card limit increase of $1,000. Apply online for a credit card limit increase and get a quick turnaround, often within four hours of your application. 

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Close Out Your CD with No Fees

Members Choice is waiving the early closeout penalties on all CDs so that you can free up your funds. Close your CD and get your funds deposited in your checking or savings account.


Mobile Check Deposit Increase

To help with social distancing measures for COVID-19 and reduce your need to visit a branch for deposits, we have changed our Mobile Check Deposit Limits in our Mobile App:

Increased Personal Account Limits:
$10,000 daily deposit limit
$20,000 monthly deposit limit
Three items per day, 10 deposits per month

Increased Business Account Limits:
$20,000 daily deposit limit
$50,000 monthly deposit limit
Five items per day, 100 deposits per month

(1) Certain tax benefits may not apply. You should consult your tax advisor for information regarding the deductibility of interest and charges.


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 79 years.

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

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Members Choice Credit Union
18211 Katy Freeway
Houston, TX 77094