Rates – Baylor Health Care System Credit Union

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

.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 (10+ combined ACH and debit transactions in any of three previous months)

.25% Legacy Member Discount

20+ or more years of membership

.25% Saver Loyalty Discount

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

.25% New Member Discount

New members who joined BHCSCU in the last six months

.25% Member Protection Discount

Members earn 0.20% discount off the base loan rate for mechanical breakdown coverage and 0.05% discount for GAP coverage.

NO MORE THAN TWO DISCOUNTS CAN BE COMBINED

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