Young woman in a car. She is driving, smiling and looking out. Sun is shining from back on a sunny spring afternoon.

Auto Loans

New & Used

  • Competitive, low rates
  • Terms up to 72 Months
  • Over 100% Financing Available or Flexible financing
  • Borrower Protection and Guaranteed Asset Protection (GAP) options available


  • Great Rates
  • Flexible terms
  • Borrower Protection and Guaranteed Asset Protection (GAP) options available

Other Vehicle Loans

  • Recreational Vehicles (Boat, Motorcycles, and RV’s)
  • Farm Equipment

Call us today with your Auto Loan questions! 469-676-2200

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Credit Cards

Carry our card for a low-rate option when managing travel or bigger expenses. Enjoy a low 3.90% APR* introductory rate for 6 months on all of our cards and 12.9% APR* thereafter.

Three great cards to choose from

  • Classic
  • Share Secured
  • Gold

* Annual percentage rate. 

Call us today with your Credit Card questions! 469-676-2200

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Home Mortgage Loans

Visit our Mortgage Loan Center for easy pre-qualification, custom rates, and expert advice to guide you through the home loan process. Whether you’re buying a home or looking to adjust your payment schedule, we can help with loans including:

  • Conventional
  • Fixed and Adjustable-Rate Mortgages (ARMs) with terms up to 30 years
  • Mortgage Refinance options
  • Government loans (FHA, VA, USDA)
  • Jumbo loans (Greater than $510,400)
  • Construction Loans
  • Low Down Payment
  • First Time Buyer
  • Cash-out refinance
  • And more!

If you have mortgage loan questions or wish to complete a mortgage application with the assistance of our Mortgage Loan Officer, please contact Nathan Curtis at 469-409-6099 or 1-855-636-1057

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Personal Loans

Signature Loans

A signature loan is helpful to finance small purchases, life events, and even minor emergency cash needs. Need help paying for a wedding or a family getaway?

  • Terms up to 36 months
  • No collateral required
  • Can be used for almost any financial need


This type of loan is similar to a credit card, but with a fixed term. It allows you quick cash and avoid traps of payday loans by establishing a line of credit.

Share Secured Loans

Members are able to use a portion of their Savings as collateral for our Share Secured Loan. The balance of your account will determine how much money you are eligible to borrow. 

Call us today with your Personal Loan questions! 469-676-2200

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Student Loans

If you can dream it, we can help you achieve it. Through our partnership with Sallie Mae®, we’re able to help you get the money you need to help make higher education possible. Our members can enjoy:

  • Competitive variable and fixed interest rates
  • No origination fee or prepayment penalty
  • Multiple repayment options

Learn which loan is right for you.

Smart Option Student Loan® for Undergraduate Students
Pay for your bachelor’s, associate’s, or certificate expenses at a degree-granting school

Graduate School Loan
Pay for expenses as you pursue your master’s and doctoral degrees

MBA Loan
Pay for your business school expenses as you pursue your Masters of Business Administration degree

Medical School Loan
Pay for your medical degree expenses in allopathic, general, osteopathic, podiatric, radiology, sports, and veterinary medicine

Dental School Loan
Pay for your dental degree expenses in general dentistry, endodontics, oral and maxillofacial surgery, orthodontics, pediatric dentistry, periodontics, and prosthodontics

Graduate School Loan for Health Professions
Pay for your health professions degree expenses in allied health, nursing, pharmacy, and other
graduate-level health programs

Law School Loan
Pay for your school and associated expenses as you study for your law degree

Parent Loan
Help your student by taking responsibility with a loan in your name

Learn which loan is right for you.

Borrow Responsibly
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

These loans are made by Sallie Mae Bank or a lender partner. Baylor Health Care System Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

Smart Option Student Loan and graduate loan products: This information is for students attending participating degree-granting schools. Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Borrowers must be U.S. citizens or U.S. permanent residents if the school is located outside of the United States. Non-U.S. citizen borrowers who reside in the U.S. are eligible with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and are required to provide an unexpired government-issued photo ID to verify identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

Parent Loan: This information is for borrowers with students attending participating degree-granting schools. The student is not eligible to be a borrower or cosigner. The borrower, cosigner and student must be U.S. citizens or U.S. permanent residents. The school may refund loan funds directly to the student, and if that occurs, borrower, and cosigner (if applicable) would still be responsible for repaying that amount. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

1Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.


© 2019 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.