Rates - Baylor Health Care System Credit Union

Relationship Discounts:
Enjoy up to 0.50% off Auto and RV rates.

Add any two of the following loyalty discounts for your 0.50% off!

.25% Loan Loyalty Discount

Members with current loan or loan paid off within past three years including credit card.

.25% Member Loyalty Discount

Members with ACTIVE* checking account.

.25% Legacy Member Discount

20+ years of membership

.25% Saver Loyalty Discount

Members with combined savings balances (savings, Christmas Club, IRA) of $20,000 or more.

.25% New Member Discount

New members who joined BHCSCU in the last six months

*No more than two Relationship Discounts can be combined
*Active Checking = (Direct Deposit OR 10+ combined ACH and debit card transactions in previous three months)

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Loan Rates

Type	Term	APR*
New & Used Vehicles
	< 48 Months	As low as 5.00% APR*
	60 Months	As low as 5.25% APR*
	72 Months	As low as 5.50% APR*
No model older than 7 years old

New & Used Boats, Motorcycles & RV’s
	< 48 Months	As low as 7.50% APR*
	60 Months	As low as 7.75% APR*
	72 Months	As low as 8.00% APR*
	84 Months	As low as 9.00% APR*

Signature Loans	36 months maximum	As low as 11.49% APR*

Share Secured	24 months or less	3.50% APR*
	25 months or more	4.50% APR*

Line of Credit	24 months maximum	As low as 11.49% APR*

MasterCard Loans	Regular	*3.90% APR for first six months,** 12.90% APR* thereafter
	Secured	*3.90% APR for first six months,** 12.90% APR* thereafter
	Gold	*3.90% APR for first six months,** 12.90% APR* thereafter

Home Equity Loan	1-60 months	As low as 7.00 – 8.00%
	61-120 months	As low as 7.25 – 8.25%
	121-180 months	As low as 7.50 – 8.50%

Home Improvement Loan	60-180 months	As low as 7.25 – 9.25%

*APR = Annual Percentage Rate. Rates are subject to change without notice.

Rates are effective as of 8/1/2025

Savings

Type	Minimum Opening Deposit	Dividend Rate	APY*	Minimum Balance to Earn Dividend	Dividend Frequency
Regular Share (Savings)	$25	0.30%	0.30%	$100	Daily
Secondary Share (Savings)	$25	0.30%	0.30%	$100	Daily
Share Drafts (Checking)	$20	0.05%	0.05%	$1,000	Daily
Christmas Club	$25	0.20%	0.20%	$25	Daily
IRA (all)	$25	0.50%	0.50%	$25	Daily

*APY = Annual Percentage Yield.

Savings rates are effective as of 7/1/2022.

Dividends – The Board of Directors reserves the right to change dividend rates without notice.

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Access to Third Party Sites/E-mail: The Credit Union's Web Site may contain links and/or e-mail addresses to/for other web sites owned and operated by third parties. Links to other Web Sites and/or e-mail addresses are provided solely as a convenience to our members and other customers. The Credit Union has no control over these sites/addresses; and the Credit Union shall have no responsibility or liability relating to any access to such sites or communications between you and such Third Parties. In addition, Third Parties are not covered by the Credit Union's privacy or other policies; and the Credit Union is not responsible for the privacy practices or the content of Third Party Sites.

The Credit Union Web Site may also contain links to other web sites owned, operated by, or affiliated with the Credit Union ("Affiliated Sites"). Affiliated Sites are also not governed by Credit Union's privacy or other policies; and you are advised to review the privacy statement applicable to each Affiliated Site you visit. Products / Services Offered by Third Parties / Affiliates: Any financial, investment, warranty, credit insurance or other products or services ("products") which are provided by third parties or any affiliates are not products of the Credit Union. If the purchase of same is facilitated by or through Credit Union financing such is merely a convenience to the borrower(s) and is in no way creates any contractual or other relationship between the borrower(s) and the Credit Union with regard to any such products.

Any rights, obligations or claims with regard to such products shall be solely and exclusively by and between the party providing such products as may be set forth in any applicable contracts, agreements or otherwise, and the Credit Union shall have no obligations, responsibilities, duties, or liabilities whatsoever regarding same.

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Relationship Discounts: Enjoy up to 0.50% off Auto and RV rates.