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Home > Loans > Loan Rates

Loan Rates

Get a loyalty rate deduction off your Auto, Boat, or Recreational Vehicle Loan!
Please ask a representative for your qualifying rate.

Loan Rates

APPLY TODAY

Rates effective as of March 17, 2025.   

Type

Rate

APR*

New Autos

Up to 84 Months

4.14% 1

Pre-Owned Autos

Up to 84 Months

5.14%

New & Pre-Owned Motorcycle/ATV

Up to 60 Months

7.69%

New & Pre-Owned Boat, RV, Campers

Up to 84 Months

7.69%

(Over $50,000)

85 - 144 Months

8.64%

Certificate Secured

3.00% above index

Shared Secured

2.50% above index

Signature Loans

Up to 60 Months

As low as 8.75%

Line of Credit

Payment: 3% of Limit
with a minimum of $30

8.75% - 18.00%

Credit Cards

Payment: 3% of balance or
$18 whichever is greater

12.90% - 17.90%

Mortgage Loans

Click here for rates

* As Low As (Based On credit score, loan term, and relationship discounts)  

Loan Protection
Products

auto loans

GAP - Guaranteed Asset Protection

MMP - Major Mechanical Protection

Payment Protection

Identity Theft Protection

 *APR = Annual percentage rate. Rates are based on a combination of your credit score, terms and other lending criteria.
Each application is evaluated on an individual basis. Rates up to 18%. Stated “rates as low as” apply to well-qualified
applicants in combination with relationship discounts. Additional discounts available.

¹A $25,000 loan with an Annual percentage rate of 5.39% would have a approximate payment of $489.27 for 60 months.
Payment Example: 12 payments of $22.33 per $1000 borrowed at 5.39%.

The annual percentage rate (APR) for certificate secured advances will be the dividend being paid on the Certificate
offered as security plus the index shown above. The loan payoff date must not exceed the Certificate maturity date. The
current ANNUAL PERCENTAGE RATE will be disclosed at the time of the advance.

We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments
or other defaults on your accounts may be reflected in your credit report.

Rates are subject to change without notice. Membership is required. For more information, please
contact a Memorial Credit Union representative at (713) 778-6300.

 

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Routing No. 313084124

7789 Southwest Freeway, Suite 175
Houston, TX 77074
Tel: 713-778-6300

Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

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*APR = The Annual Percentage Rates are subject to change without notice. Credit criteria and restrictions apply.

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