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.
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.
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.
Baptist Credit Union offers Signature Loans and Christmas Loans based on your credit approval and income. Call the Loan Department for more information.
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.
Free Credit Report
You may obtain 1 free credit report yearly at annualcreditreport.com
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
- Consumer Loans (Existing or Paid)
- Home Equity
- 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.