--- title: "Midwestern State University Credit Union Rates: Personal 3.10%" description: "Midwestern State University Credit Union rates today: personal loans from 3.10% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Midwestern State University Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/midwestern-state-university" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Midwestern State University Credit Union Rates: Personal 3.10% ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Share-Secured Loan** personal_secured | 3.100% APR | 3.100% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | 9.750% APR | 9.750% | — | Standard | | **Secured Personal Loan** personal_secured | 12.000% APR | 12.000% | — | Standard | | **Try-Me(Personal Loan)** personal_unsecured | 14.500% APR | 14.500% | — | Standard | Midwestern State University Credit Union personal loan rates as of November 6, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | 13.000% APR | 13.000% | — | Standard | Midwestern State University Credit Union credit card rates as of November 6, 2026 Personal loan rates from 3.1% APR. Credit card rates from 13% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/midwestern-state-university) , verified from [Midwestern State University Credit Union's official website](http://www.mwsucu.com/) Best product position **Better than the Texas median** personal loan Gap to state best **110 bp** 110 bp from state best Vs. state median **689 bp better than median** personal loan Products ranked **1** across tracked Texas markets | Product | Published APR | Position | Vs. state best | Vs. state median | | personal loan | 3.10% | Better than the Texas median | 110 bp from state best | 689 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Midwestern State University Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=midwestern-state-university&state=texas&code=TX&name=Midwestern%20State%20University%20Credit%20Union) Loading branch locator… ## About Midwestern State University Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 900 Assets $4.8M Founded 1955 Locations reported 3 NCUA charter 67549 Charter type Federally insured state-chartered credit union ### Services and member support - Electronic statements - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Texoma Community** SPO (2 DT & 1 Lobby ATM) · Wichita Falls · TX · 76308 About 0.6 miles away](https://rateapi.dev/credit-unions/texas/texoma-community) [**Postel Family** Maplewood · Wichita Falls · TX · 76308 About 0.8 miles away](https://rateapi.dev/credit-unions/texas/postel-family) [**Wichita Falls** WFFCU - McNiel · Wichita Falls · TX · 76308 About 1.7 miles away](https://rateapi.dev/credit-unions/texas/wichita-falls) [**Union Square** Kemp Street · Wichita Falls · TX · 76308-1016 About 2.0 miles away](https://rateapi.dev/credit-unions/texas/union-square) [**Wichita Falls Teachers** Wichita Falls Teachers Federal Credit Union · Wichita Falls · TX · 76310 About 2.5 miles away](https://rateapi.dev/credit-unions/texas/wichita-falls-teachers) [**Secured Advantage** Iowa Park · Iowa Park · TX · 76367-1180 About 10.9 miles away](https://rateapi.dev/credit-unions/south-carolina/secured-advantage) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Midwestern State University Credit Union Membership eligibility from Midwestern State University Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Midwestern State University Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer ROTC unit at the University, recognized Bible chairs, Vernon College - Association MSU Alumni Association Verified from [Midwestern State University Credit Union's membership page](https://mwsucu.com/membership/) . Final membership determination is always made by the credit union. ## Membership rules for Midwestern State University Credit Union Employers 4 · Associations · Schools 2 · Family 8 published paths to membership, last verified September 13, 2026, quoted from Midwestern State University Credit Union’s own published criteria. ### Employers 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Employee of Midwestern State University “Full-time, benefit-eligible employees of Midwestern State University” > [source ↗](https://mwsucu.com/membership/) - Employee of Midwestern State University - Employee of ROTC unit at the University “ALL the ROTC Cadre and all full-time civil service employees of the ROTC unit at the University” > [source ↗](https://mwsucu.com/membership/) - Employee of ROTC unit at the University - Employee of recognized Bible chairs “All full-time campus ministers of the recognized Bible chairs and their full-time employees” > [source ↗](https://mwsucu.com/membership/) - Employee of recognized Bible chairs - Employee of Vernon College “All full-time (benefit-eligible) Administration, Faculty, classified and At-will employees of Vernon College (including all branches)” > [source ↗](https://mwsucu.com/membership/) - Employee of Vernon College ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Member of MSU Alumni Association “life-time members of the MSU Alumni Association” > [source ↗](https://mwsucu.com/membership/) - Member of MSU Alumni Association ### Schools 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Alumni of Midwestern State University “All Midwestern State University graduates” > [source ↗](https://mwsucu.com/membership/) - Alumnus of Midwestern State University - Student of Midwestern State University “Students who are officially accepted and attending Midwestern State University” > [source ↗](https://mwsucu.com/membership/) - Student at Midwestern State University ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Family of a member family “and members of the family of such persons.” > [source ↗](https://mwsucu.com/membership/) - Family member (family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Midwestern State University Credit Union? Yes No ## Work at Midwestern State University Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Midwestern State University Credit Union ranks against Texas peers. - See which AI assistants fetched Midwestern State University Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=midwestern-state-university&state=texas&code=TX&name=Midwestern%20State%20University%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Midwestern State University Credit Union offer? Midwestern State University Credit Union currently offers personal loan, and credit card rates. The rates shown on this page were last verified November 6, 2026 directly from the credit union's official website. ### How often are Midwestern State University Credit Union rates updated? RateAPI verifies Midwestern State University Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 6, 2026. ### Where does RateAPI get Midwestern State University Credit Union's rate data? Rate data is collected directly from Midwestern State University Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Midwestern State University Credit Union's personal loan rate? As of November 6, 2026, Midwestern State University Credit Union offers personal loans from 3.1% APR. ### Who can join Midwestern State University Credit Union? Midwestern State University Credit Union publishes its membership criteria on its own website. RateAPI tracks 8 published membership paths covering 4 employers, 1 association and 2 schools for Midwestern State University Credit Union, each quoted from Midwestern State University Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Midwestern State University Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](http://www.mwsucu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Midwestern State University Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Midwestern State University Credit Union curl "https://api.rateapi.dev/credit-unions/texas /midwestern-state-university " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Midwestern State University Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/texas/midwestern-state-university Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp