BVSCU will NEVER ASK FOR YOUR USERNAME, PASSWORD, OR VERIFICATION CODE. If someone asks, hang up and call BVSCU immediately at 281-391-2149.
EFFECTIVE DATE: 04/01/2026
DISCLOSURES AND RATE AND FEES SCHEDULE
Rates are subject to change without notice.
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% |
* 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 | 5.75% | 6.118% |
| 15-Year Fixed Rate | 5.25% | 5.862% | |
| 95% Loan to Value | 30-Year Fixed Rate | 6.00% | 6.354% |
| 15-Year Fixed Rate | 5.50% | 6.083% |
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% |
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 with 10% down at 6.561% APR is $58.36 per every $100,00.00 financed.
- Home Equity: 20 Year Home Equity Loan at 7.423% APR is $114.05 per every $15,000.00 financed.
- HELOC: 20 Year HELOC at 8.451% APR is $123.14 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 8.459% APR is $113.55 per every $10,000 financed.
- Second Home: 30 Year 1st Lien Home Loan at 7.877% APR is $66.53 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 | 4.49% – 16.49% | Up to 48-54 Months |
| 4.74% – 16.74% | Up to 60 Months | |
| 4.99% – 16.99% | Up to 72 Months | |
| 5.49% – 17.24% | Up to 84 Months |
USED VEHICLES
| TYPE | APR* | TERM |
|---|---|---|
| 2023-2025 Used Vehicles | 4.24% – 16.74% | Up to 48 Months |
| 4.49% – 16.99% | Up to 72 Months | |
| 2019 – 2022 Used Vehicles | 4.74% – 17.24% | Up to 48 Months |
| 4.99% – 17.24% | Up to 60 Months | |
| 2015 – 2018 Used Vehicles | 5.24% – 17.24% | Up to 48 Months |
| 5.49% – 17.24% | Up to 54 Months |
* 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.
A 2026 auto loan at a rate of 4.24% APR will have 60 monthly payments of $85.27 per $1,000 borrowed. APR = Annual Percentage Rate. Rates are subject to change without notice. Rates are based on your creditworthiness and other factors and will vary by borrower. All loans are subject to approval, and membership eligibility is required. Additional terms and conditions may apply. Please contact us for further details or questions.
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