Loan Rates


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

Rates effective as of July 15, 2022.                                                                             
Loan ProgramsApproximate TermAPR*
New AutosUp to 84 MonthsAs Low As 2.99%*
Pre-Owned AutosUp to 84 MonthsAs Low As 2.99%*
New & Pre-Owned Motorcycle/ATVUp to 60 months (2)As Low As 5.05%*
New & Pre-Owned Boat, RV, CampersUp to 84 monthsAs Low As 5.05%*
(Over $50,000)85 - 120 monthsAs Low As 6.05%*
Certificate Secured3.00% above index
Shared Secured2.50 above index
Signature LoansUp to 60 monthsas low as 8.750%
Line of CreditPayment: 3% of Limit with a minimum of $308.75% - 18.00%
Credit Cards
Payment: 3% of balance or $18 whichever is greater12.90% - 17.90%
MortgagesClick here for rates
* As Low As (Based On Credit Score And Loan Term)

Protection Products**
GAP (Guaranteed Asset Protection)
MMP (Major Mechanical Protection)
Payment Protection
Identity Theft Protection

*APR = Annual percentage rate. All rates listed as annual percentage rate (APR). Certain credit criteria and restrictions apply for lowest rate quoted. Rates are based on a combination of your credit score, the term you select, collateral, cash payment and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%.

¹Annual percentage rate of 2.99% is an approximate term of 12-48 months. Payment Example: 12 payments of $17.96 per $1000 borrowed at 2.99%. 2Annual percentage rate of 5.05% is an approximate term of 12-60 months. Payment Example: 12 payments of $18.89 per $1000 borrowed at 5.05%.

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.

** The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.