Credit Card Rates are on the Rise

Save money with a fixed, low-rate Personal Loan – Debt Consolidation Loans as low as 7.99% APR*


Apply now to get your personalized rate quote.

Apply Now

Save money for what matters most to your family.
Take advantage of no fees, and a fixed, low interest rate that will never rise.

Whether you want to consolidate high-interest credit card rate balances, fund a special purchase, or cover major expenses, we’re here to help. Members Choice has the tools to help you save today and prepare for a better tomorrow.


Apply Online for a Personal Loan in as little as 15 Minutes

or call 281.754.1470 to get started by phone.

Consolidate high interest debt & save with a personal loan

Using a personal loan to cover additional expenses or refinance your existing debt can make your finances more manageable and help you to start saving. Take advantage of one monthly payment at a lower interest rate than most credit cards. 

100% Fee-Free – No annual fees or balance transfer fees

Fixed, low-interest rate – Rates as low as 7.99% APR*

Eligible for Skip-A-Pay – Skip a qualified loan payment without affecting your credit score**

Debt Solutions That Work

Debt Solutions That Work

Whether you need help lowering your expenses or want to start saving for the near future, know the best options available. Download our Debt Solutions Guide for tips and resources to take control of your finances.

*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. Rates shown reflect available rate discounts. Members Choice members can get up to .30% in 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. 

** Skip-A-Pay Program: The Members Choice Credit Union (Members Choice) Skip-A-Pay agreement must be signed by all borrowers of the original Loan Agreement. 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. There is a $35 processing fee per approved loan that will be deducted from any Members Choice account; in addition, enrollment in the program means you authorize Members Choice to extend your final loan payment as needed. Read more for full details and qualifications.

If not currently a Members Choice member, a $5 deposit is needed to establish membership. 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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