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  • 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.

    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.

    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.

    Apply Online and our Loan Department will contact you within 24 hrs. with credit approval.

  • 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.

    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.

    Apply Online and our Loan Department will contact you within 24 hrs. with credit approval.

  • Student Loan

    At Baptist Credit Union, we strive to help any qualified member reach their financial and education goals. That’s why we constantly review and update the products we offer to our members, that we feel can meet and exceed their needs and expectations.  In light of this mission, we are proud to offer the Baptist Credit Union Private Student Loan by HESC – a low-cost private student loan for Texas residents.

    Our Student Loans are made to a student and may or may not require an eligible cosigner depending on the creditworthiness of the student. Applicants with limited or no credit history may be considered eligible with a creditworthy cosigner. Applying with a cosigner may help the applicant pass the credit review, and may even help secure a lower rate.

    Click here for more details

  • 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 application process, download the application, or contact our Loan Department today by calling (210) 525-0100 ext 400 or visiting our Main branch.

  • 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.

    Summary of Applicable Texas Law:

    • Texas Home Equity loans are limited to 80% of the appraised value of the house, less any existing loans against the house (mortgage and/or home improvement).
    • Texas has a 12 day cooling off period. From the day you apply and proper disclosures are issued, the note may not be signed until 12 days later.
    • From signing, the borrower has three business days to change their mind.
    • When Home Equity is used for loan security, the homestead is then subject to foreclosure in cases of default. So, borrow with purpose.
    • The law allows for only ONE Home Equity Loan per year. Even if it’s paid off, one a year is the limit. That’s another reason to carefully consider whether it’s the right loan for you at this time.

    Closing costs:

    Member will be required to pay for Closing costs and Appraisal if needed. The Documents Needed to Process Your Loan are:

    • Completed Application
    • Proof of Income
    • Copy of Deed of Trust
    • Balance from Mortgage Company (Statement copy is acceptable)
    • Tax Appraisal
    • Insurance Policies
  • Credit Builder Loan

    To assist in 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.

    To begin the online application process, click here.

  • 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.

    To begin the online application process, click here.

  • 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 begin the online application process, click here.

  • 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:

    • 0.10% discount – MasterCard or Home Equity
    • 0.10% discount – Consumer Loan paid or existing
    • 0.10% discount – Active Checking (5 Transactions per month)
    • 0.10% discount – Full Direct Deposit
    • 0.10% discount – Debit Card (5 Transactions per month)

    Qualified Products

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

    Qualified Services

    • Checking Account
    • Direct Deposit
    • Debit Card

    In order to be eligible for Relationship Discounts, members must have Direct Deposit, an active Checking Account with ATM or Debit Card, and a minimum of 5 transactions per month. Fresh Start Loans, Repayment Loans, and Share Secured Loans are excluded from Relationship Discounts.

    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.

  • Rate Reduction Incentives

    Reduce your auto loan rate by 0.25% with 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!

    BCU Loan Department Contact us today at
    [email protected]
    or call the loan department at:
    210-525-0100 ext. 400 or
    1-800-222-2328 ext. 400

USA Patriot Act: Federal law requires that we obtain, verify and record information that identifies each person who opens an account or requests a loan, including joint owners/applicants. Within this application, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Approval of your application may be delayed pending further verification of your identity.

Consumer Reports: By submitting an application, you authorize Baptist Credit Union to obtain a consumer credit report to evaluate your creditworthiness so that you may be considered for other BCU products and services. You also authorize Baptist Credit Union to obtain consumer reports to evaluate the membership application and review any Baptist Credit Union accounts you open. You understand these reports may be used in decisions to deny account applications, close accounts, and/or restrict accounts or services.