Lender profile
Members Choice
Lender Live rate observations
Members Choice at a glance
Members Choice is a lender based in Texas. LoanMate.ai tracks 13 published loan products from Members Choice (32 rate listings), last verified 2026-10-17. Its lowest published rate today is 4.99% on New auto loan. Its 30-year fixed rate of 6.99% is 0.01 points below the national median of 7% (across 233 lenders publishing that product). Members Choice lends in Texas only.
Purchase mortgage (11)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| 5/1ARM | 6.37 | 6.55 | — | — | 2026-10-17 | Lender source ↗ |
| 15FP | 6.49 | 6.78 | — | — | 2026-10-17 | Lender source ↗ |
| 7/1ARM | 6.67 | 6.86 | — | — | 2026-10-17 | Lender source ↗ |
| 20FP | 6.74 | 6.98 | — | — | 2026-10-17 | Lender source ↗ |
| 7/1ARM | 6.75 | 6.93 | — | — | 2026-10-17 | Lender source ↗ |
| 10/1ARM | 6.97 | 7.16 | — | — | 2026-10-17 | Lender source ↗ |
| 30FP | 6.99 | 7.18 | — | — | 2026-10-17 | Lender source ↗ |
| 10/1ARM | 7.12 | 7.31 | — | — | 2026-10-17 | Lender source ↗ |
| 15FP | 7.12 | 7.43 | — | — | 2026-10-17 | Lender source ↗ |
| 20FP | 7.37 | 7.62 | — | — | 2026-10-17 | Lender source ↗ |
| 30FP | 7.62 | 7.82 | — | — | 2026-10-17 | Lender source ↗ |
HELOC (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| HELOC | 7.00 | 7.06 | — | — | 2026-10-17 | Lender source ↗ |
| HELOC | 7.25 | 7.31 | — | — | 2026-10-17 | Lender source ↗ |
Home equity loan (5)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| FHEL-15yr | 6.49 | 6.96 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-20yr | 6.74 | 7.12 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-30yr | 6.99 | 7.29 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-15yr | 6.99 | 7.47 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-20yr | 7.24 | 7.63 | — | — | 2026-10-17 | Lender source ↗ |
Auto loan (6)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW | — | 4.99 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED | — | 4.99 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW | — | 5.74 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED | — | 5.74 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW | — | 6.49 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED | — | 6.49 | — | — | 2026-10-17 | Lender source ↗ |
Personal loan (8)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-UNSEC | — | 8.24 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC | — | 8.49 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC | — | 9.49 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC | — | 10.24 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC | — | 10.49 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC | — | 11.24 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC | — | 12.24 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC | — | 13.24 | — | — | 2026-10-17 | Lender source ↗ |
How Members Choice compares
Compare all purchase mortgage rates · Compare all heloc rates · Compare all home equity loan rates · Compare all auto loan rates · Compare all personal loan rates · Best loan rates in Texas
Compare with: 1St Community, 4U, A+, Abilene Teachers
Common questions
What is the lowest published rate at Members Choice?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Members Choice is 4.99% on its New auto loan. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does Members Choice lend?
Members Choice lends in Texas only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Members Choice's 30-year fixed rate compare nationally?
Members Choice publishes 30-year fixed at 6.99%. The national median for that product is 7% across 233 lenders in LoanMate.ai's October 17, 2026 dataset, so Members Choice is 0.01 points below the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.