

New & Used
- Competitive, low rates
- Terms of up 72 months for new and pre-owned/used
- Over 100% financing available or flexible financing
- Borrower Warranty Protection and Guaranteed Asset Protection (GAP) options available
Refinance Your Existing Loan
- Competitive, low rates
- Lower monthly payments
- Add-on options
- Borrower Warranty 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

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 12.90% APR* thereafter.
Two Mastercards to choose from:
- Classic
- Gold
For those looking to build (or rebuild) their credit history, our Classic Secured card is an excellent option.
* Annual percentage rate.
Call us today with your Credit Card questions! 469-676-2200

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, please contact our Mortgage Loan Officer, Jeff Prince, ID#287901, at 469-409-6091 or Jeff.Prince@memberfirstmortgage.com.
Jeff Prince, NMLS #287901 is authorized to represent Member First Mortgage, LLC, a licensed Mortgage Lender/Servicer (Company NMLS ID #149532) and is proud to serve its partner, Baylor Health Care System Credit Union (Company NMLS ID #793198). For MLO licensing information, please visit NMLS Consumer Access | Disclaimer: All lending products are subject to credit and property approval. Terms, conditions, and interest rates are subject to change without notice. Certain restrictions may apply and may vary based on borrower qualification and collateral conditions. This is not a commitment to lend.

Home values are rising rapidly and the equity in your home is a valuable resource! Unlock equity to build your backyard oasis, splash pool, or dream kitchen. Or maybe you would like to consolidate high interest rate credit cards and loans into one monthly payment saving thousands in interest. Whatever you can imagine, Baylor Health Care System Credit Union wants to help with our brand-new home equity loans. Here are some details that might interest you:
- Available on primary residence and vacation homes
- Amounts $30K and up
- Available on single family homes, condos, townhomes, half duplexes and more
- Appraisals are many times not required
- Closing costs are capped by State of Texas Regulations
- Close at your credit union with your BHCSCU credit union loan officer
- 5-, 10-, and 15-year terms available for you to choose from
- Rates start as low as 7.25% APR*
*APR means Annual Percentage Rate. Your final APR may vary based upon customary fees and closing costs which are included in your APR. Rates and terms are subject to change without prior notice. Other restrictions may apply.
Total loan balances, including any first home mortgage and the home equity loan, are capped at 80% of fair market value of the property. Borrowers will be responsible for certain closing costs which are capped at 2% by state of Texas regulations. If required, closing costs may include title insurance and appraisal fees. Home equity loans are subject to lender approval. Rates and terms are subject to change without notice. State of Texas regulations require a 12-day cooling off period before home equity loans can be closed. There is also a three day right to recission after closing that must be observed before funds can be disbursed. Minimum loan amount is $30k. This is a closed end home equity loan and not a line of credit. Other terms and conditions may apply.
If you have mortgage loan questions or wish to complete a mortgage application with the assistance of our Mortgage Loan Officer, please contact Jeff Prince, ID#287901 at 469-409-6091.
Jeff Prince, NMLS #287901 is authorized to represent Member First Mortgage, LLC, a licensed Mortgage Lender/Servicer (Company NMLS ID #149532) and is proud to serve its partner, Baylor Health Care System Credit Union (Company NMLS ID #793198). For MLO licensing information, please visit NMLS Consumer Access | Disclaimer: All lending products are subject to credit and property approval. Terms, conditions, and interest rates are subject to change without notice. Certain restrictions may apply and may vary based on borrower qualification and collateral conditions. This is not a commitment to lend.

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
Line-of-Credit
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

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.
Undergraduate
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.
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.
SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.
© 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.