A mother and daughter hugging and smiling.

Personal Loans

We realize that sometimes you made need to borrow money for personal reasons. For this reason, Memphis City Employees Credit Union has unsecured loans, also known as Signature loans. MCECU Signature loans can cover a broad range of needs, from debt consolidation to medical needs to any other reason you may need. Convenient terms and debt protection options available.

*You must be at least 18 years of age or older to apply for a loan.

Click here to apply for a signature loan.

A dog sits on a beach chair wearing sunglasses.

MCECU members, check out our new Special Vacation Loan!*

  • $500 and $1000 options
  • 14.99% Annual Percentage Rate
  • 6-month repayment terms
  • Payroll Deduction/Auto Transfer payment options
  • No application fees
  • Membership with MCECU of 1 year or more required
  • 12-months continuous verified employment required
  • Direct Deposit and/or Payroll Deduction MCECU relationship required
  • Must be in good standing with MCECU
  • Must not be in Bankruptcy

*No credit check for approval if applicant meets all minimum requirements as set forth by MCECU. Other restrictions may apply. For more information or to apply by phone, call 901-321-1200.


A car is parked at night.

Apply for a Car Loan

A couple smiling inside their new home.

Open The Door To Your Dream Home

CONTACT US today to learn more about purchasing or refinancing a home.                        NMLS# 712315
A woman pointing at a document on a table with her pen.