Rates – Baylor Health Care System Credit Union

Rates are subject to change. For the most current rates, please call BHCSCU at 214-820-2342.

We are currently offering rates as low as 2.73% APR* for new and used vehicles. Contact Belinda or Janice before you finance your vehicle with someone else.

For a limited time, enjoy an introductory rate of 3.90% APR* on Credit Cards for the first 6 months.

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Loan Rates

Type	Term	APR*
New Vehicles	72 months maximum	as low as 2.73% APR*
Used Vehicles
2017, 2016 & 2015	60 months maximum	as low as 2.73% APR*
2014	54 months maximum	as low as 2.73% APR*
2013	48 months maximum	as low as 2.73% APR*
2012	42 months maximum	as low as 2.73% APR*
2011	36 months maximum	as low as 2.73% APR*
2010 & older	30 months maximum	as low as 2.73% APR*

All Other Vehicles
Boats, Motorcycles & RV’s	term same as new & used vehicles	as low as 4.73% APR*

Farm Equipment	term same as new & used vehicles	as low as 4.73% APR*

Signature Loans	12 months or less	as low as 10.90% APR*
	13 to 36 months	as low as 10.90% APR*

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

Line of Credit	12 months or less	as low as 10.90% APR*
	13 to 24 months	as low as 10.90% APR*

MasterCard Loans	Regular	12.90% APR*
	Secured	12.90% APR*
	Gold	12.90% APR*

Example: If you borrow $20,000 at 2.73% APR* for 60 months, your monthly payment will be $356.98

*APR: Wording s/b Rates are subject to change without notice.

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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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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