Welcome to Our Website

By selling you a vehicle below invoice, minus current incentives, dealer cash and manufacturer rebates, the dealer will still make a profit from “hold back,” which is paid directly from the manufacturer to the dealership.
It’s important for you, as a consumer to understand that 0% financing may cost you more than financing at your local credit union, even if the credit union’s rate is 6%.
You must also know as a consumer that the Internet does not prevent you from having to interact with the dealer. At some point, you will have to conduct part of the transaction with the dealer. The Internet has become a new business tool for people (including dealers) to capture your information, including your privacy, credit, and money!
For over 15 years, I have closely studied and monitored the automotive industry, especially the financial sector of the industry. I have held positions within dealerships as well as financial institutions. This entire Vehicle Resource Center (VRC) and lending web-site was created to share our knowledge of the industry with you…to make you the best informed consumer possible. Our mission is to exceed your expectations during any part of your vehicle purchase process or loan transaction. So remember, we are just a phone call, e-mail, or short visit away from you via online or at any of our branch locations in West Houston and Katy, Texas.

Our Commitment To Our Member-Owners

This guide, our lending web-site, the VRC, vehicle purchasing program, and dedicated staff all have one goal in mind – to get you the best deal and keep hundreds or even thousands of dollars in your pockets, rather than onto the balance sheets of dealers. Members Choice Credit Union (MCCU) wants to educate our members and future members with sound advice that cuts through all the confusion, pressure, and deception that takes place at so many dealerships. We want to share our skills and expertise in providing you with assistance in making sound financial decisions that are in YOUR best interest. Our products, services, and business partners have been very carefully chosen to ensure that your best interests are always our paramount concern. Many dealers or other financial institutions have two main objectives: 1) to sell you their product or service (regardless if you need it or if it’s in your best interest) and 2) to sell it to you at the highest possible price you will pay.
We’re not just speaking words either…Since you (as a Member) own part of the credit union; Members Choices Credit Union’s financial well-being is directly linked to your financial well-being. In other words, when you grow and prosper financially, so do we as a credit union. And since MCCU is a not-for-profit full-service financial institution owned by you, the credit union’s prosperity translates into more money for you in the form of lower interest rates, better prices on products and services and service that will exceed your expectations!
Thank you for visiting us…and remember to check back often, we are always adding new and exciting features for our member-owners! Click on our Vehicle Buying Guide for more detailed information.