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Loans

New & Used Auto Loans
Baptist Credit Union is pleased to offer its members competitive market rates on New or Used Auto Loans. Your loan rate will be based on credit approval and your credit rating. Apply Online and our Loan Department will contact you within 24 hrs. with credit approval.

Review our Preferred Auto Dealer List for personal service and great deals for our credit union members. Click here to review.

Review our 4 Easy Steps to Buying a Used Vehicle and Auto P.I.'s Top Ten Used Car Buying Myths, Mistakes and Pitfalls to insure that you can buy a quality used vehicle with confidence. Baptist Credit Union members get a $20 discount for Auto P.I.'s Professional Used Car Inspections' unbiased 600-point pre-purchase inspection that will let you know any current, past, and potential problems before you buy.

Auto Title Loan
BCU's new Auto Title Loan allows you to use the equity in your vehicle to get cash when you need it. If your vehicle is paid for, use your title as collateral. If you are still paying on your vehicle, call our loan department and find out if you have equity. You can refinance your vehicle and get your equity as cash. Your loan rate will be based on credit approval and your credit rating. Apply Online and our Loan Department will contact you within 24 hrs. with credit approval.

Home Mortgage Loans
Home ownership is more affordable than you think! CU Members Mortgage offers a wide variety of different loan programs. Let our Loan Department help you find the loan program that fits your needs. Apply online now to learn how much home you qualify for and see what your estimated monthly payment will be.

To learn more, pre-qualify or begin the online application process, click here.

Home Equity Loans
Baptist Credit Union offers competitive Home Equity loans that allow you to borrow against the equity of your house. For over 50 years, Baptist Credit Union has been a resource for interest-wise loans designed to benefit the home owner. As a state chartered credit union our Home Equity Loans are exclusively for realty within Texas and are governed by state laws pertaining to home equity loans.

More Information
Home Equity Loan Calculator

Line of Credit
For members who need small loans periodically. We extend a line of credit equal up to 1.5x your monthly income. Interest paid on balance borrowed.

Apply

Student Loans
To learn more, click here.

Credit Builder Loan
To assist on establishing or rebuilding credit. Loan proceeds will be disbursed into the share account and will be secured until the loan is paid off. Dividends will be earned on the money borrowed. Making on time payments will reflect on your credit report. Maximum amount-$1000.00. Minimum term-6 months to allow payment history. Maximum term-12 months.

Apply

Other Loans
Baptist Credit Union offers Signature Loans and Christmas Loans based on your credit approval and income. Call the Loan Department for more information.

Rate Chart

Apply for a Loan
With our Open-End Lending Application you can be prepared for rapid pre-approval at any time for up to 2 years.

Apply

Free Credit Report
You may obtain 1 free credit report yearly at annualcreditreport.com

Relationship Discounts

At Baptist Credit Union, your loyalty matters to us. The relationship we have built together over time means a 'great deal,' not just for us but for our members as well! With one or more qualifying relationships with the Credit Union, you can receive a discount on a new loan:

  • 0.75% discount – Five Products or Services
  • 0.50% discount – Three Products or Services
  • 0.25% discount – One Product or Service

  • Qualified Products
  • MasterCard
  • Consumer Loans (Existing or Paid)
  • Home Equity

  • Qualified Services
  • Checking Account
  • Direct Deposit
  • Debit Card

Relationship Discount rate reduction will not go below the Floor Rate stated for a loan product.
Rates subject to change without notice. Some Restrictions May Apply.


For Pre-approval on Auto Loans we will need:

  • Your loan application - apply online or go to Forms Center & download
  • A copy of your latest pay stub
  • A copy of your current auto insurance

 

When you have made your selection:

  • The dealer will fax a copy to the loan office in San Antonio - (210) 525-0383.
  • At signing, if you are signing, you will need to bring a copy of your insurance.
  • When signing documents by mail send a copy of your drivers license and your proof of insurance.

 

Rate Reduction Incentives
Reduce your auto loan rate by 0.25% with these 2 services:

  • Mechanical Repair Coverage (MRC) - an extended warranty that will pay for covered repairs at any licensed repair facility in the nation.
  • Deficiency Balance Waiver (GAP) - If your car is stolen or involved in an accident that results in a total loss to the vehicle, and the insurance company pays less than is owed on the car, this policy pays off the remaining balance of the loan!
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BCU Loan Department Contact us today at
or call the loan department at:
(210) 525-0100 ext. 400 or
1-800-222-2328 ext. 400

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