Take control of your Finances with our Debt Solution Options

Low rate Personal Loans, Auto Refinancing and Credit Cards

Inflation, high interest rates, and expensive payments can quickly increase your monthly expenses and add to your debt. We are all feeling the effects of inflation with our funds not going as far as they once did and are looking for ways to adjust our savings and expenses — and we’re here to help.

With these debt solution options from Members Choice, you can take advantage of lower interest rates, streamline your debt, and potentially lower your overall payments.


Get started online with one of the options below, or call 281.754.1470 to get started by phone.

Make progress 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


Refinance your auto loan

With interest rates so low, you are likely paying too much for your current auto loan. By refinancing with Members Choice, you'll have a lower rate and 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***
Apply Now


More Flexibility with a Members Choice Visa Credit Card

Whether you want to consolidate your debt or need a line of credit for upcoming purchases, use it however you need without worrying about high interest rates or fees. 

  • 0% intro APR* on purchases for the first 6 months 
  • No annual fees
  • Use it how you need it—everyday purchases, pay off outstanding debts, or an emergency fund
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. 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.


**Annual Percentage Rate of 2.19% is for an approximate term of 12-36 months. Payment example: 12 monthly payments of $84.33 per $1,000 borrowed at 2.19%. Discounts have been applied to the rate of 2.19%. We offer other terms up to 84 months.
Auto Transfer from MCCU Checking, New or Increased Credit Card, and Direct Deposit each qualifies for a .10% rate discount. 
***Interest still accrues during this time. 

Choice Visa Credit Cards: 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 8.25% 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.


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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