*Annual Percentage Rate (APR) is accurate as of September 1, 2026. Rates are subject to change without notice. The advertised rate shown 12 months and reflects applicable standard discounts but does not include the additional .50% APR HERO discount available to qualifying members. Payment example: 12 monthly payments of $86.06 per $1,000 borrowed at 5.99%. Other rates and terms up to 72 months are available. A UCC lien is required.
** Qualifying HERO Members are eligible for an additional rate discount. Offer valid for individuals in the following eligible professions and are subject to verification (eg: Employee ID, Paystub, Employer Letter, Military ID, Employer Direct Deposit into a Members Choice Account):
- Educators: Teachers, administrative staff and anyone who works at a school, college or university.
- Healthcare: All staff of medical facilities, including administrative and support staff.
- Law Enforcement: Police officers, sheriffs, and anyone who is active-duty law enforcement.
- Military & Veterans: Active-duty US military and veterans.
- First Responders: Active-duty firefighters, EMTs and anyone who is an EMS Personnel.
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval.
About Members Choice Credit Union
We are more than a financial institution; we are your partners in bringing you closer to the life you aspire to live. For over 85 years, we've been dedicated to empowering families across Texas. Whether it’s buying your first home, driving off in a new car, building your savings, or becoming debt-free, we provide the tools and support to help you pursue your goals with confidence. Become a member today to unlock access to all member benefits.
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