Rates

APR = Annual Percentage Rate. For qualified borrowers. Credit restrictions apply.
5.7% is for an approximate term of up to 66 months.

Payment example: 60 monthly payments of $19.20 per $1,000 borrowed at 5.7% APR.
Not good with any other offer.
Auto loans for 72 months must be at least $10,000,
84 months must be at least $15,000 and 96 months must be at least $20,000.



Autos, Boats & RVs

(Planes & Motorcycles too)
Approximate Terms 67 months and greater
Rates Start At
6.1% APR
These reduced rates also apply to
refinancing any loan from another lender.

APR = Annual Percentage Rate. For qualified borrowers. Credit restrictions apply. 6.1% is for an approximate term for 67 to 180 months.

Not good with any other offer.

Home Equity - Line of Credit* (variable)

No fees unless member requests appraisal. Other rates based on credit qualifications, loan amount and term. Minimum draw is $4,000. Valid first or second lien is required. Loans on homestead residence only and must be in Texas; does not include manufactured homes.

Click here for the Home Equity Line of Credit Disclosure.

Home Equity Loans

Payment Example: 60 monthly payments of $19.57 per $1,000 borrowed at 6.5% APR

Loan amounts $5,000 - $250,000. Maximum term is 20 years. No closing cost unless an appraisal is needed. The maximum term for loan amounts $25,000 and under is 180 months. Over $25,000, the maximum term is 240 months. Valid first or second lien is required. Loans on homestead residence only and must be in Texas; does not include manufactured homes.

Personal Loans

Student Loans

.25 discount for Checkfree ACH Payment

Home Improvement Loans

Payment Example: 60 monthly payments of $19.78 per $1000 borrowed at 6.95% APR

No fees unless member requests appraisal.

Home Mortgage Loans

Home Mortgage loans are available on residential homesteads. Rates are issued daily.
Please call the credit union for current rates, (281)398-9900 or 800-753-2428.

Secured Loans (Share, CD & Stock)

MasterCard

Certain rates are subject to change without notice. Each application is evaluated on an individual basis. Loans are granted based upon the applicant’s credit history, ability to repay, purpose, stability, and collateral. Loans are not granted based upon method of repayment.

*The variable rate index is determined by the 26-week Treasury Bill average of the previous quarter, beginning with the last week of the previous quarter up to the last week of the current quarter rounded to the nearest .25% plus points. Interest on variable rate loans are subject to change quarterly. The index figure is posted in the lobby of the Credit Union.

Automatic payment includes: ACH or payroll deduction, ACH originated debit from another financial institution or auto transfer from an MCCU account as long as the account is set up to receive a regular ACH or payroll deposit equal to or exceeding the payment amount. Discount only applies to new and used autos, boats, RV’s and motorcycles.

On Signature loans, if the total loan balance with new advance is less than $1,000, rate is 18%. Student Loans - rates are subject to change every July 1.

APR=Annual Percentage Rate. Rates are subject to change without notice.


For more information, please call (281) 398-9900 or 800-753-2428