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A personal loan lets you borrow money for just about any reason. You can use it for a major purchase, unexpected personal expenses, special events or vacations, to consolidate your debts at a better rate, or for nearly any other reason you can think of!

All of our personal loan options offer low rates, flexible repayment terms, and an easy online application process. To be eligible for loans, you must be an MCT Credit Union member. Credit restrictions may apply. For assistance or more information, please call us at 409-727-1446 or 800-846-1751 or visit a branch.


Signature Loan

If you meet qualification criteria, you can borrow money with nothing more than your signature! An unsecured personal loan from MCT Credit Union can help you cover just about any financial need.

  • Loan amounts from $500
  • Flexible repayment term options
  • Personal service and local decisions

Apply Now


Secured Loans & Credit Builder

With a Share Secured or CD Secured Loan, you use your MCT savings account or CD to guarantee your loan. Securing your loan can help you qualify for a better interest rate and make it easier to get approved!

  • Loan amounts up to 95% of balance in the collateral account
  • Flexible repayment options
  • Rates are 1.75% above CD or share rate*
  • Personal service and local decisions

Apply Now


Personal Lines of Credit

A Personal Line of Credit gives you flexible access to an approved amount of money over time, whenever you need it.

  • Repay and reuse funds as often as you like
  • Only pay interest on the amount you have outstanding
  • Option to use your line of credit for overdraft protection by linking it to your MCT checking account

Apply Now


Current Rates

Loan TypeAPR
0-24 months
25-36 months
37-48 months
49-60 months
61-72 months
Share (Savings) or CD Secured Loan1.75%+*1.75%+*1.75%+*1.75%+*1.75%+*
Signature Loan8.50%8.50%8.50%8.50%N/A
Personal Line of Credit8.50%8.50%8.50%8.50%8.50%