The stress and challenges over the past year may have you considering some much needed time away to rest and recharge. Whether you're needing to supplement your budget for a family vacation or make some improvements or repairs to your home to make it more comfortable, Members Choice is here for whatever your needs may be right now.
A fixed, low-interest rate
As a Members Choice member, your rate can be as low as 5.04% APR* with a 12 month term.***
Get your funds fast
If you're looking for funds anywhere between $1,000 and $5,000, you’ll have the decision you need in 24 hours.**
Exclusive rate discounts
You could qualify for up to a total of 1.10% in rate discounts when you apply.***
Including a limited time .80% Anniversary rate discount to celebrate our 80th Anniversary — our gift to you!
Your online application can be completed within 15 minutes.
With no hidden fees and no application fee, save your money for what you need most.
Whether you need extra funds for a family trip or to cover any unexpected expenses, you won’t have to worry about high interest rates or fees with a Choice Rate Visa credit card.
*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. 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.
**24 hours is based on normal business hours. If application is received during business hours. Weekend applications get processed the following business day. Some variances may occur.
*** Rates shown reflect available rate discounts. Members Choice members can get up to 1.10% in rate discounts: .80% MCCU 80th Anniversary Discount for being a current member (no prior relationship requirement), .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. Limited time offer. No other discounts will apply. Personal Lines of Credit and HomePlus Personal Loans are not eligible for the .80% anniversary discount. Other rates and terms are available. Subject to credit review. May not be combined with other offers.
1Introductory 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 6.75% (Choice Rate Visa) and 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.
Balance 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.
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.
© 2021 Members Choice Credit Union