graphic of blue schoolhouse with red roof next to words Brazos Valley Schools Credit Union

LOG IN

EFFECTIVE DATE: 01/01/2026

DISCLOSURES AND RATE AND FEES SCHEDULE

Rates are subject to change without notice.

PERSONAL LOANS
REAL ESTATE LOANS
VEHICLE LOANS
RECREATION VEHICLE LOANS

 

Personal Loans

TYPE TERMS APR*
Line of Credit Up to 48 Months 9.00% – 13.50%
Mastercard* N/A 8.99% – 18.00%
Signature Up to 60 months 9.00% – 18.00%
Credit Builder Up to 18 months 16.00%
Summer/Holiday Loan Up to 12 months 7.00% – 16.00%
Express Loan Up to 12 Months 15.75%
Savings Secured – $500 to $10,000 Up to 60 Months Share + 3%
Savings Secured – $10,001 and up Up to 60 Months Share + 2%
Certificate Secured – $1,000 – $10,000 Up to 48 Months Share + 3%
Certificate Secured – $10,001 and up Up to 48 Months Share + 2%

 

Apply for a Personal Loan

* The Annual Percentage Rate (APR) you receive for the indicated loan type will be within the range disclosed and is based on various credit-worthiness criteria. See our Mastercard Credit Card Agreement and Mastercard Application and Solicitation Disclosure forms. You may apply for a loan with our online loan application/request here or you are welcome to come by one of our locations.

*All rates are subject to change without notice

Examples of how loans are calculated:

  • Signature Loan – $5,000 at 9.00% APR for 36 months is $159.01 per month

  • Share Secured Loan – $5,000 at 3.1% APR for 60 months is $90.07 per month

  • Term Share Secured Loan – $5,000 at 3.45% APR for 60 months is $90.85 per month

  • Holiday Loan – $5,000 at 7.00% APR for 12 months is $432.80

Real Estate Loans

PURCHASE/REFINANCE

TYPE TERM INTEREST RATE* APR*
90% Loan to Value 30-Year Fixed Rate 6.00% 6.083%
15-Year Fixed Rate 5.25% 5.387%
95% Loan to Value 30-Year Fixed Rate 6.25% 6.330%
15-Year Fixed Rate 5.50% 5.630%

 

HOME EQUITY

TYPE TERM INTEREST RATE* APR*
80% Loan to Value 20-Year Fixed Rate 6.75% 6.853%
15-Year Fixed Rate 6.50% 6.628%
10-Year Fixed Rate 6.25% 6.429%
5-Year Fixed Rate 6.00% 6.334%

 

HOME EQUITY LINE OF CREDIT

TYPE TERM INTEREST RATE* APR*
80% Loan to Value 20-Year Fixed Rate 7.75% 8.087%

 

HOME IMPROVEMENT

TYPE TERM INTEREST RATE* APR*
90% Loan to Value 20-Year Fixed Rate 6.50% 6.852%
15-Year Fixed Rate 6.25% 6.687%
10-Year Fixed Rate 6.00% 6.614%
5-Year Fixed Rate 5.75% 6.902%

 

SECOND HOME

TYPE TERM INTEREST RATE* APR*
80% Loan to Value 30-Year Fixed Rate 7.00% 7.178%
15-Year Fixed Rate 5.75% 6.028%

Apply for a Real Estate Loan

Additional mortgage products offered:

  • Construction Loan/ Construction to Permanent Loan

  • Purchase Plus Improvements

  • Townhome/Condominium

  • Manufactured Home w/land

  • Land Loan

  • Jumbo Loans

For more information, please contact us at realestatedept@bvscu.org or at 281-391-2149.

*The interest rate and Annual Percentage Rate (APR) you receive for the indicated loan type will be based on various credit-worthiness criteria. All loans are subject to credit approval.

Note: The following payment examples do not include taxes and insurance:

  • Purchase/Refinance: 30 Year 1st lien Home Loan at 6.083% APR is $59.96 per every $10,000.00 financed.

  • Home Equity: 20 Year Home Equity Loan at 6.853% APR is $76.04 per every $10,000.00 financed.

  • HELOC: 20 Year HELOC at 8.087% APR is $80.87 per every $10,000 financed.

    • **During a 20 Year Home Equity Line of Credit Loan, the first 5 years you pay interest only.

  • Home Improvement: 10 Year Home Improvement Loan at 6.614% APR is $87.72 per every $10,000 financed.

  • Second Home: 30 Year 1st Lien Home Loan at 7.178% APR is $67.73 per every $10,000 financed.

*All rates are subject to change without notice

*All real estate loans are required to have homeowners insurance.

BVSCU makes loans without regard to race, color, religion, national origin, sex, handicap or familial status.

Vehicle Loans

NEW VEHICLES

TYPE APR* TERM
2026 New Vehicles & Newer 4.74% – 16.74% Up to 48-54 Months
4.99% – 16.99% Up to 60 Months
5.24% – 17.24% Up to 72 Months
5.74% – 17.49% Up to 84 Months

USED VEHICLES

TYPE APR* TERM
2023-2025 Used Vehicles 4.49% – 16.99% Up to 48 Months
4.74% – 17.24% Up to 72 Months
2017 – 2022 Used Vehicles 4.99% – 17.49% Up to 48 Months
5.24% – 17.49% Up to 60 Months
2015 – 2018 Used Vehicles 5.49% – 17.49% Up to 48 Months
5.74% – 17.49% Up to 54 Months

Apply for a Vehicle Loan

* The Annual Percentage Rate (APR) you receive for the indicated loan type will be within the range disclosed and is based on various credit-worthiness criteria. You may apply for a loan with our online loan application/request here or you are welcome to come by one of our locations.

For example, the payment for a $25,000 auto loan at 5.24% APR for 72 months would be $398.99.

Specialty vehicles, such as specially-ordered vehicles are only available for terms up to 72 months.

*All rates are subject to change without notice

Recreation Vehicle Loans

**BOATS, TRAVEL TRAILERS, CAMPERS

TYPE TERM APR*
Boats, Travel Trailers, Campers – current year 84 Months 8.00% – 9.49%
72 Months 7.50% – 8.99%
36-60 Months 6.99% – 7.74%

 

NEW MOTORHOMES

TYPE TERM APR*
New Motorhomes 180 Months 7.74% – 8.49%

 

USED MOTORHOMES

TYPE TERM APR*
Used Motorhomes 180 Months 7.74% – 8.49%

 

MOTORCYCLES

TYPE TERM APR*
Motorcycles* 48 Months 6.00% – 12.25%
54 Months 6.50% – 12.75%
60 Months 7.50% – 13.75%
72 Months 9.00% – 15.25%

Apply for a Recreational Vehicle Loan

*The Annual Percentage Rate (APR) you receive for the indicated loan type will be within the range disclosed and is based on various credit-worthiness criteria. You may apply for a loan here or you are welcome to stop by one of our locations. Maximum Loan to Value is 90% of purchase price or NADA Retail Value.

*Special financing on motorcycles for law enforcement officers. Check at any BVSCU office for details.

**Boats, Travel Trailers, Campers
Eligibility limited to units manufactured within the past 5 years.

Examples of how loans are calculated are:

  • Boat, Travel Trailer, or Camper Loan – $40,000 at 6.99% APR for 60 months is $792.00 monthly

  • Motorhome Loan – $65,000 at 7.74% APR for 180 months is $611.69 monthly

  • Motorcycle Loan – $15,000 at 7.50% APR for 60 months $300.65 monthly

*All rates are subject to change without notice