Rates – Baylor Health Care System Credit Union

Loan Rates

Type	Term	APR*
New Vehicles	84 months maximum	2.24%-18.00% APR*

Used Vehicles	84 months maximum	2.24%-18.00% APR*


All Other Vehicles
Boats, Motorcycles & RV’s	term same as new & used vehicles	3.74%-18.00% APR*

Farm Equipment	term same as new & used vehicles	3.74%-18.00% APR*

Signature Loans	36 months maximum	10.90%-18.00% APR*

Share Secured	24 months or less	7.50% APR*
	25 months or more	8.50% APR*

Line of Credit	24 months maximum	10.90%-18.00% 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	60-180 months	3.75%-5.75%

Home Improvement Loan	60-180 months	3.75%-5.75%

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

Rates are effective as of 7/1/2021

Savings

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

*APY = Annual Percentage Yield. Accurate as of 9/30/16.

Rates are effective as of 7/31/20.

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

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