How long does a refinance take?

One member reported the process was quick and required minimal paperwork, though specific timeline was not stated.

Can I get an auto loan if I use a dealership?

Yes; one member used MCU financing through a dealership and found the credit union's process faster and smoother than dealership financing.

Memorial Credit Union

Updated 2026-08-23 · 5,423 reviewed · 600 listed · Scored from 102 Google reviews · How we rank ›

4.2(102) 72 composite score See reviews on Google ✓ Google-verified Publishes prices

Mortgage & Home LoansBusiness & Commercial Loans

Services: Mortgage & Home Loans, Business & Commercial Loans
Reviews: 102

What recent reviews say

Most members report decades of steady service and staff who treat them personally. Lesley and Jacquie draw praise for making refinancing and loan decisions frictionless. One recent complaint flags a serious gap: after vehicle repossession, the credit union's collections VP refused to resend transfer paperwork, leaving the borrower liable for tollway fines under their old license plate.

Praised for

long-term loyalty rewards
friendly and knowledgeable staff
quick and smooth loan process
personal service by name

Watch-outs

rude collections staff
failed vehicle transfer documentation

helpful-staffknowledgeable-agentsfriendly-stafflong-wait-times

Best for: Long-term members seeking familiar, attentive service for mortgages and auto refinancing.

Think twice if: Collections disputes or vehicle repossession issues may encounter unresponsive or dismissive handling.

Strengths

30-year member retention
personal service by familiar staff
quick refinancing process
competitive auto and signature loan rates

Worth knowing

Lesley praised for refinancing speed and simplicity
Jacquie known for remembering members by name and exceeding expectations
Multiple members cite 20-30 year relationships with the institution
Anthony Julian (VP of Collections) cited as rude and unresponsive in documentation disputes
Vehicle repossession case left member liable for tollway fines after credit union failed to resend transfer forms

What reviews say by service

Mortgage & Home Loans: Refinancing praised as prompt and seamless; one member cited Lesley's professionalism.
Auto & Title Loans: Loan approval cited as quick and professional; rates as low as 4.14% APR listed on website.

How it compares

Rated 4.2 against a 4.49 average across the 424 mortgage & home loans businesses listed here.
Has more Google reviews than 57% of the businesses in this directory.

How we scored this

How We Rank

Star rating 51

Review volume 87

Review recency 100

Review sentiment 55

Profile completeness 100

Verification 30

Rating breakdown

Contact

Phone: +1713-778-6300
Website: https://www.memorialcu.org/
Address: 7789 Southwest Fwy #175, Houston, TX 77074
Open in Google Maps

Last verified 2026-08-23

Opening hours

Monday: 08:00-16:00
Tuesday: 08:00-16:00
Wednesday: 09:00-16:00
Thursday: 08:00-16:00
Friday: 08:00-16:00
Saturday: Closed
Sunday: Closed

As listed on Google.

From their website

Services listed

Personal loansCredit cardsAuto loansMortgage loansStudent loansChecking accountsSavings accountsYouth accounts

Published prices

New & Used Auto: as low as 4.14% APR
Signature Loan: as low as 8.75% APR
Credit Cards: as low as 10.95% APR

As published by the business on its own website; not independently verified.

Common questions

How long does a refinance take?: One member reported the process was quick and required minimal paperwork, though specific timeline was not stated.
Can I get an auto loan if I use a dealership?: Yes; one member used MCU financing through a dealership and found the credit union's process faster and smoother than dealership financing.

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