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    MemberSource Credit Union

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      • Auto Loans – Looking to buy a new or used auto? Come to the Source. Get pre-approved and find out just what your payment will be. We have low rates and terms to fit any budget. Check out our rates or Apply now.
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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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      • e-Services – When you can’t get to the branch, bring the branch to your phone. With MSCU mobile banking you can access your account information, pay your bills, transfer funds, make a payment, schedule account alerts and so much more. And all of this is free!
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  • Loan Rates

    Back at the turn of the 20th century, people saved money to buy cars, homes and more. Now, we have the luxury of loans to get us what we need.

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

    Choose from the options below and receive up to 0.45% off your loan rate. Rates quoted below do not include the 0.45% discount so your rate may be less. Please ask for the rate for which you qualify. Rates subject to increase with cancellation of any of the options below.

    • Add Payment Protection to your loan - .25% rate reduction (maximum term 120 months)
    • Set up an automatic payment transfer from your active MSCU checking account - .10% rate reduction
    • Instant reduction if you have an active MSCU credit card - .10% rate reduction

    Rates Effective as of January 1, 2019

    New & Used - Automobiles*

    Loan TypeTermRate (APR)Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
    Year Models - 2011 and NewerUp to 48 Months3.25% - 12.25%
    Year Models - 2012 and Newer49 to 60 Months3.75% - 14.25%
    Year Models - 2013 and Newer61 to 72 Months4.00%- 14.75%$20,000 Minimum
    Year Models - 2014 and Newer73 to 84 Months5.00% - 6.00%$35,000 Minimum

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

    Loan TypeTermRate (APR)Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
    Year Models - 2011 and NewerUp to 48 Months4.75% - 6.25%
    Year Models - 2012 and Newer49 to 60 Months5.00% - 6.50%
    Year Models - 2013 and Newer61 to 72 Months5.25% -6.75%$20,000 Minimum
    Year Models - 2014 and Newer73 to 84 Months*6.00% -6.50%LT Boats/RVs $35,000 Minimum
    Year Models - 2015 and Newer85 to 120 Months*6.50% -7.00%LT Boats/RVs $50,000 Minimum
    Year Models - 2017 and Newer121 to 144 Months*7.00% -7.50%LT Boats/RVs $75,000 Minimum

    *Terms available for Boats and RVs only. Maximum term for 4 Wheelers and Jet Skis is 48 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 TypeRate
    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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    Computer, Appliances, Furniture

    RateTermFinancing
    10.00%Up to 36 Months100% of purchase price ($1000 minimum)

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    Home Improvement / Home Equity (Texas properties only)

    RateTermFinancing
    HI 5.75% HE 5.25%Up to 60 MonthsMinimum of $5,000; Maximum of $150,000.
    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 6.25% HE 5.75%61 to 120 Months
    HI 6.75% HE 6.25%121 to 180 Months

    Loan amounts available from $5,000.00 to $150,000.00 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

    RateTermFinancing
    8.50% - 18.00%Up to 60 MonthsUp to $35,000 ($1,000 minimum)

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    Prime Plus Line-of-Credit*

    RateTermFinancing
    9.50%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 on the first day of each quarter. Rate shown is based on the prime rate as of December 2018.

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    Share Secured

    RateTermFinancing
    3.00% over lowest tier savings rateUp to 120 MonthsBased on available shares (plus interest)
    $1,000 Minimum

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    Term Share Certificate Secured

    RateTermFinancing
    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.

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

    Contact Us
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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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