Loan Rates


Rates effective as of March 8, 2017.
Rates are subject to change. Please check with your local branch. **Actual rates based on credit criteria. Print Friendly PDF Version.
Get up to a 1.00% loyalty rate deduction off your Auto, Boat, or Recreational Vehicle Loan! Please ask a representative for your qualifying rate. Discounts do not apply to floor rate of 2.25%.
Loan Programs Terms APR*
NEW AUTOS /MOTORCYCLE Less than 6k miles
Up to 100% Financing 12 – 84 Months1 2.75% to 17.75%
Up to 100% Financing up to 60 Months 3.25% to 17.25%
Collateral Loan up to 60 Months 2.75% to 17.25%
*Actual terms will depend on the year of vehicle.
Share Secured (minimal pay)   2.50% above index
CD Secured (minimal pay)   3.00% above index
Signature $500 and up up to 60 Months 8.75% to 18.00%
10% Cash may be required by buyer 12 – 120 Months2 3.25% to 18.00%
Up to 90% Financing 12 – 120 Months 3.75% to 18.00%
Line of Credit Payment: 3% of Limit with a minimum of $30 8.75% to 18.00%
MasterCard Payment: 3% of balance or $18 whichever is greater 7.9% – 17.9%
Mortgages Click here for rates  
Protection Products
GAP (Guaranteed Asset Protection) {info}  
Payment Protection {info}  
Identity Theft Protection {info}  
Low rates include possible deduction for credit score.All rates listed as annual percentage rate (APR). Certain credit criteria and restrictions apply. Rates are based on a combination of your earned credit score, the term you select, collateral, down payment and other normal lending criteria. Rates are subject to change without notice. For more information, please contact a Memorial Credit Union loan officer at (713) 778-6300.The annual percentage rate (APR) for certificate secured advances will be the dividend rate 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.1 Annual percentage rate of 2.75% is for an approximate term of 12- 36 months. Payment example: 12 monthly payments of $84.59 per $1,000 borrowed at 2.75%.2 Annual percentage rate of 3.25% is for an approximate term of 12- 120 months. Payment example: 12 monthly payments of $84.92 per $1,000 borrowed at 3.25%.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.*APR = annual percentage rate.