*Annual Percentage Rate (APR) is accurate as of January 22, 2026. 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.
4Introductory 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 11.75% 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. Credit Card Annual Percentage Rates (APR) accurate as of January 22, 2026. For a complete summary of our credit card rates and solicitation disclosure, Print Current Credit Card Rates (PDF)
5Balance transfer must be initiated within the first 180 days of account opening in order to qualify for introductory 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.
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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