Build your credit score and control your debt

On the path to financial success

Overspending, high interest rates, and expensive payments can quickly add to your debt and make it more difficult to build good credit. Without a good credit score, managing debts can become more difficult since you won’t be approved for financial aid—but we’re here to help.

With these debt solution options from Members Choice, you can streamline your debt to lower your overall payments and build credit at the same time.

Start with a Members Choice Visa Credit Card

Using a credit card responsibly is one of the best and simplest ways to improve your credit score. You can make everyday purchases or pay off any outstanding debts. Members Choice offers three Visa® credit cards with low rates and exclusive benefits.

  • Enjoy a low APR*—fixed and variable rate options
  • No annual fees
  • Earn rewards on your everyday purchases
Apply Now


Refinance your auto loan

With new expenses popping up, you may feel like you’re paying too much for your current auto loan. By refinancing with Members Choice, you can use the equity you’ve already built in your vehicle to borrow against it and have some extra cash to afford anything you may need down the road.

  • Lower your interest rate and monthly payment
  • Have the option to defer payments for 90 days***
  • No title transfer tees—we’ll handle the fee associated with transferring your title
Apply Now


Make a jump with a personal loan

Using a personal loan to refinance your existing debt can make your finances more manageable. You’ll have one monthly payment at one interest rate instead of many smaller bills due on different days of the month.

  • A fixed, low interest rate
  • No balance transfer fees
  • Have the option to defer payments for the first 3 months***
Apply Now


Debt Guide (1)

Debt Solutions That Work

Regardless of your current credit history, Members Choice is here to assist you through to financial success. Download our Debt Solutions Guide for tips and resources to build your credit and consolidate your debt today.

Other helpful resources

Find out how much you owe and how long it will take to pay it all off.

View the Managing Debt Calculator

Calculate if consolidating outstanding credit card debt and other loans is right for you.

View the Debt Consolidation Calculator

APR = Annual Percentage Rate.


*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 6.75% 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.

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.
**Annual Percentage Rate of 1.99% is for an approximate term of 12-36 months. Payment example: 12 monthly payments of $84.19 per $1,000 borrowed at 1.99%. Discounts have been applied to the rate of 1.99%. We offer other terms up to 84 months.
***Interest still accrues during this time


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.

****Auto Transfer from MCCU Checking, New or Increased Credit Card, and Direct Deposit each qualifies for a .10% rate discount. 



All memberships and credit products 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 80 years.


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