We're here to help you stay safe during the storm and manage your accounts without leaving your home using our mobile app and online banking platform. And we're here to help you get any additional assistance you need to help with unexpected expenses.
Requesting GAP Loan Payouts for Damaged Vehicles
If your financed vehicle has been damaged, Members Choice can assist you in getting the Guaranteed Asset Protection (GAP) process going after you have requested your payoff. Typically, the entire process takes only two-three weeks once started. Ask our team at 281.398.9900 for more details.
Remote Mobile Check Deposits
You can make check deposits from the safety of your home using your Members Choice Credit Union mobile banking app.
Plus, whether in your home town or out on a trip, with our Allpoint ATM network, you have access to over 55,000 surcharge-free ATMs worldwide. Find a location near you.
Skip-a-Pay Program
The Members Choice Skip-a-Pay Program is a benefit we offer our loan account holders just for being members. With Skip-A-Pay, you can skip a qualified loan payment without impacting your credit score.*
We're waiving our skip request fees for the rest of this month! Between Jan 21-31, 2025, you can request your no-fee skip-a-payment right from your online or mobile banking, or send in by PDF. Learn more.
Winter Storm Relief? We've got you covered.
In the event of a weather-related event, we're here to help you ease the impact with a Members Choice Recovery Personal Loan equal to one month of your direct deposit amount.* This loan can get you easy access to the short-term funds you need for home and personal property repairs.
Reach out to us at 281.398.9900 for assistance with anything during this time about service needs, Recovery Loans, or for questions about skipping a loan payment. Or fill out the form below to have a Member Advocate reach out to you.
* The Members Choice Credit Union (Members Choice) Skip-a-Pay agreement must be signed by all borrowers of the original Loan Agreement.
The following Members Choice loan types are not eligible for the Skip-a-Pay program: Any loan over $75k, any real estate loan (including Mortgages, Home Equity, Home Improvement, land loans and HELOCs) or line of credit, credit cards, business loans, share secured, stock secured, CD secured, student loans, teacher loans, Smart Choice auto lease, payroll interruption loan, recovery loan, any loan originated within the past six (6) months, loans not serviced by Members Choice and any delinquent loan. Any currently delinquent loan or a loan which has been previously delinquent, may be ineligible. Any payment deferrals or previous extensions may affect eligibility. Loan must have at least six (6) payments credited. 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. Please note that by choosing to defer/skip payments on your loan(s) this may affect future payment on Life, Disability or GAP claims.
There is a $15-$25 processing fee per approved loan skip that will be deducted from any Members Choice account, depending on if the skip was processed through digital banking or by submitting a PDF form; in addition, enrollment in the program means you authorize Members Choice to extend your final loan payment as needed. Your payment will revert back to your original payment schedule and due date following the skipped payment. Payments and credits shall be applied in the following order: accrued interest or finance charges; outstanding principal, any amounts past due. Payments made in addition to the regularly scheduled payments shall be applied in the following order: accrued interest or finance charges; outstanding principal, any amounts past due. In some cases, based on the size of your balance, the accrued interest may be greater than the amount of your next regular payment; it may take several months to begin to reduce your principal balance. Submitting the application does not guarantee approval. Members Choice has the right to refuse any Skip-a-Pay request. You agree to hold Members Choice harmless for any consequences resulting from rejection of Skip-a-Pay request. If your application is rejected, you will not incur a fee, and you will be notified by email. All other payment terms of your Loan Agreement/Promissory Note will remain in full force and effect.
The maximum aggregate number of skips and extensions should not exceed the following based on term:
36-month term – Maximum of 5 skips
48-month term – Maximum of 6 skips
60-month term – Maximum of 8 skips
72-month term and greater – Maximum of 9 skips
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". Become a member today to unlock access to all member benefits.
All memberships and credit products are subject to approval including credit approval.
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Members Choice Credit Union
18211 Katy Freeway
Houston, TX 77094