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    MemberSource Credit Union

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      • Personal Loans – Maybe you want to finance a vacation, holiday or back to school expenses. We can do that! Or, maybe you prefer a line of credit for quick and easy access to extra funds whenever you need it. No matter which you choose, MemberSource is your source for loans. Apply today.
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      • Visa Credit Card – Get the buying power and convenience of a Visa® credit card from MemberSource. We offer Platinum, Gold and Classic cards with non-variable rates. Transfer a balance from a higher rate card to save money and there is no balance transfer fee. Apply now.
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  • Loan Rates

    Lowest Rate Shown Includes All Available Discounts

     

    Reward yourself with discounts up to 0.60% off your Auto, Boat or Recreational Vehicle Loan or up to 0.45% off Personal Loan

    When the options below are added to your loan, you'll receive the highest discounts off your rate. Rates quoted below include all available discounts, so your rate may be more. Please ask for the rate for which you qualify. Rates subject to change with cancellation of any of the options below.

    • Payment Protection - .25% rate reduction (maximum term 120 months)
    • Automatic payment transfer from your active MSCU checking account - .10% rate reduction
    • Active MSCU credit card - .10% rate reduction
    • Purchase of MSCU Vehicle Service Contract for eligible auto loan - .15% rate deduction

    Rates Effective as of January 1, 2023

    New & Used - Automobiles

    Loan Type Term Rate (APR) Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
    Year Models - 2016 and NewerUp to 36 Months4.64% - 14.64%
    Year Models - 2017 and Newer37 - 48 Months4.64% - 14.89%
    Year Models - 2018 and Newer49 - 60 Months4.89% - 15.14%$10,000 Minimum
    Year Models - 2019 and Newer61 - 72 Months5.14% - 15.64%$20,000 Minimum
    Year Models - 2022 and Newer73 - 84 Months5.64%- 7.64%$35,000 Minimum

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    Motorcycles/4-Wheelers/Jet Skis/Boats/Recreational Vehicles

    Loan Type Term Rate (APR) Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
    Year Models - 2016 and NewerUp to 48 Months5.79% - 7.79%
    Year Models - 2017 and Newer49 to 60 Months6.04% - 8.04%$10,000 Minimum
    Year Models - 2018 and Newer61 to 72 Months6.29% -9.04%$20,000 Minimum
    Year Models - 2018 and Newer73 to 84 Months*6.54% - 9.29%LT Boats/RVs $25,000 Minimum
    Year Models - 2019 and Newer85 to 120 Months*7.04% - 8.29%LT Boats/RVs $35,000 Minimum
    Year Models - 2021 and Newer121 to 144 Months*7.29% -7.54%LT Boats/RVs $50,000 Minimum

    *Terms available for Boats and RVs only. Maximum term for 4 Wheelers and Jet Skis is 48 months. Maximum term for motorcycles is 72 months. Please ask for the rate for which you qualify. Longer term financing limited to those meeting certain credit criteria.

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    Credit Cards

    Card Type Rate
    Platinum VISA8.99%
    VISA Gold12.90%
    VISA Classic13.90%

    All cards feature no annual fees, no balance transfer fees, no cash advance fees and no penalty rates. All rates are non-variable.

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    Home Improvement / Home Equity (Texas properties only)

    Rate Term Financing
    HI 6.49% HE 5.99%Up to 60 MonthsMinimum of $25,000; Maximum of $250,000.
    Loan amount is based on value of home, amount of equity, etc.
    Contact the loan department for details at 713.627.4000, option 2.
    HI 6.74% HE 6.24%61 to 120 Months
    HI 6.99% HE 6.49%121 to 180 Months
    HI 7.49% HE 6.74%181 to 240 Months

    Loan amounts available from $25,000.00 to $250,000.00 and based on value of home, amount of equity, etc.

    Contact the Loan Department for details at 713.627.4000, option 2.

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    Mortgage Loan

    Click here to access today's best rate.

    Personal Loan

    Rate Term Financing
    9.54% - 17.54%Up to 60 MonthsUp to $35,000 ($1,000 minimum)

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    Prime Plus Line-of-Credit*

    Rate Term Financing
    11.50%N/AUp to $35,000

    *Rate calculated at 4% above the prime rate (not less than 8.75%) as published in the Wall Street Journal effective the last day of each quarter. Rate is subject to change without notice. Any rate change will occur 45 days after the end of the previous quarter. Rate shown is based on the prime rate as of December 2022.

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    Share Secured and Credit Builder Secured

    Rate Term Financing
    Share Secured 3.00% over lowest tier savings rateUp to 120 MonthsBased on available shares (plus interest)
    $1,000 Minimum
    Credit Builder Secured 6.00%Up to 24 MonthsUp to $2500 ($1,000 minimum)
    $1,000 Minimum

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    Term Share Certificate Secured

    Rate Term Financing
    3.00% over certificate rateEqual to certificate termBased on certificate amount (plus interest)

    Credit Life and Disability Insurance are available on all MemberSource loans except for one-time payback loans.

    All rates and terms are subject to individual creditworthiness and are subject to change without prior notice. All rates quoted are the lowest rates available for each category and include all available discounts. Ask for which rate you qualify.

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    Learn more about the full array of financial services enjoyed by MSCU members

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    713-627-4000
    10100 Richmond Ave.
    Houston, Texas 77042
    Routing/Transit No: 313084904

    MemberSource Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical branches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 713.627.4000 so we may promptly assist you and remedy any accessibility concerns.

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