Personal Loans to Fund Your Life, Not Your Stress.

For the big stuff, the little stuff,
and the “didn’t-see-that-coming” stuff.

Cash Without the Chaos.Because Life’s Messy Enough Without Your Loan Joining In.

Whether you need a big chunk of cash or just a flexible backup plan, our personal loans and lines of credit are here to keep life moving (without the drama). With flexible options and lower rates, we make borrowing feel less like a headache and more like a high-five.

Rates That Wont Make You Cry Into your Coffee

Signature Loan

  • LIMITED TIME: Eligible for up to 1.75% in loyalty rate discounts1
  • Rates as low as 7.24% APR* for an unsecured personal loan up to 12 months.2
  • Predictable monthly payments.
  • Skip-A-Pay: Free up some funds by skipping a qualified loan payment without hurting your credit score.
  • No hidden fees: No application fee. No origination fee.

PLUS, new members score $300 when you take out a personal loan. Use promo code NEWREWARDS when applying!

Borrow Without the Baggage


Think Of It As Your
“Just in Case” Money.


Personal Line of Credit3

  • Avoid high interest rates with our low, variable line of credit lending rate.

  • No annual fee, no balance transfer fees, no cash advance fees. Because fees are the worst.

  • Flexible access when life decides to throw a curveball.

PLUS, new members get $150 just for opening one. Use promo code NEWREWARDS when applying!


Tap, Borrow, Done

Money should make
life easier, not harder.

Whether you need a lump sum or a line you can dip into when you want, we’ve got you covered with rates, perks, and bonuses that make borrowing actually feel…good.

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We're Honored to Be a Top Credit Union and Mortgage Lender in Houston!

*Annual Percentage Rate (APR) is accurate as of September 4, 2025. 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. Rate shown reflect available rate discounts. Print Current Loan Rates (PDF) (Opens in a new Window)

1Members Choice members can get: Up to 1.75% in rate discounts for Personal Unsecured Signature Loans: .25% for an automatic loan payment transfer from an MCCU checking account, 1.00% for MCCU checking account direct deposit within 60 days of funding with a minimum of $500 per month, .25% for a new or existing MCCU Credit Card, and .25% for MCCU Payment Protection.

2Unsecured/Signature Personal Loan: Annual Percentage Rate of 7.24% is for an approximate term of up to 12 months. Payment example: 12 monthly payments of $86.64 per $1,000 borrowed at 7.24%. Discounts have been applied to the rate of 7.24%. We offer other terms up to 84 months.

3A Personal Line of Credit must be linked to a Members Choice personal checking account.

 If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval. 



About Members Choice Credit Union

At 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 80 years, we've been dedicated to empowering families across Houston, 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. Join us in discovering your version of "the good life". 

 

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