Brazos Valley Schools Credit UnionBrazos Valley Schools Credit Union

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Loan Products

Please click on each product to learn more.

Vehicle Loans

  • Flexible Repayment Terms
  • 100% financing available
  • Multiple payment options available
  • Annual Percentage Rate (APR) will be within the range disclosed and is based on various credit-worthiness criteria
  • Guaranteed Auto Protection (GAP) available*
  • Low-cost credit life and short-term disability insurance available*
  • Extended service contracts available*
  • Apply Here
  • The APR is based on various credit-worthy criteria. Rates and terms are subject to change without notice. For a $25,000 auto loan for a term of 60 months with a 1.99% APR, the monthly payment will be $438.08.
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Signature

  • Designed to satisfy most general financial needs
  • Multiple payment options available
  • Low-cost credit life and short-term disability insurance available*
  • Apply Here
  • The APR is based on various credit-worthy criteria. Rates and terms are subject to change without notice. For a $5,000 signature loan for a term of 36 months with a 9.00% APR, the monthly payment will be $159.00.

Line of Credit

  • Convenient for our members
  • May be used for overdraft protection
  • Multiple payment options available
  • Low-cost credit life and short-term disability insurance available*
  • Apply Here
  • The APR is based on various credit-worthy criteria. Rates and terms are subject to change without notice. For a $10,000 line of credit loan for a term of 48 months with a 9.00% APR, the monthly payment will be $248.85.

Credit Cards

  • MasterCard and Platinum MasterCard available
  • Up to 1% cash back on Platinum MasterCard
  • No annual fee
  • Accesses all network ATMs
  • Cash advances available
  • Autopay available from BVSCU savings or checking accounts
  • Payments accepted at each branch, through online access transfer or by calling Vantiv at 800.442.4757 ($5 service charge for talking to operator)
  • Report lost or stolen cards to Vantiv at 1.800.442.4757, 24 hours per day, 7 days per week
  • To speak to a representative concerning fraudulent activity or pending dispute cases, call Vantiv at 1.800.238.8604, 24 hours per day, 7 days per week
  • If you will be traveling, you may set a travel notice in GoToMyCard. (If you have not signed up for GoToMyCard, you may do so at GoToMyCard)
  • Low-cost credit life and short-term disability insurance available
  • The APR is based on various credit-worthy criteria. Rates and terms are subject to change without notice. For a $10,000 credit card loan for a term of 48 months with a 9.00% APR, the monthly payment will be $248.85.
  • View the MasterCard Credit Card Agreement and MasterCard Application and Solicititation Disclosure
  • Apply Here

Boats, Campers & Travel Trailers

  • Flexible Repayment Terms depending on the year
  • 90% Loan to Value
  • Guaranteed Auto Protection (GAP) available*
  • Low-cost credit life and short-term disability insurance available*
  • Apply Here
  • The APR is based on various credit-worthy criteria. Rates and terms are subject to change without notice. For a $25,000 boat loan for a term of 60 months with a 3.75% APR, the monthly payment will be $457.60.
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Motorcycle**/ATV

  • New motorcycle and ATV only
  • Flexible Repayment Terms
  • 75% Loan to Value
  • Multiple payment options available
  • Guaranteed Auto Protection (GAP) available*
  • Low-cost credit life and short-term disability insurance available*
  • **Special financing on motorcycles for law enforcement officers.
  • Apply Here
  • The APR is based on various credit-worthy criteria. Rates and terms are subject to change without notice. For a $25,000 motorcycle loan for a term of 48 months with a 9.00% APR, the monthly payment will be $622.13.
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Motorhomes/RVs

  • Flexible Repayment Terms
  • Can finance up to five years old
  • 90% Loan to Value
  • Low-cost credit life and short-term disability insurance available*
  • Apply Here
  • The APR is based on various credit-worthy criteria. Rates and terms are subject to change without notice. For a $25,000 motorhome loan for a term of 180 months with a 4.50% APR, the monthly payment will be $191.25.
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CD Secured

  • Flexible Repayment Terms
  • Multiple payment options available
  • No pre-payment penalty
  • Apply Here
  • The APR is based on various credit-worthy criteria. Rates and terms are subject to change without notice. For a $5,000 CD secured loan for a term of 60 months with a 6.00% APR, the monthly payment will be $96.66.

Share Secured

  • Flexible Repayment Terms
  • Multiple payment options available
  • No pre-payment penalty
  • Apply Here
  • The APR is based on various credit-worthy criteria. Rates and terms are subject to change without notice. For a $5,000 share secured loan for a term of 60 months with a 5.00% APR, the monthly payment will be $96.66.

Purchase and Refinance

  • Fixed rate mortgage
  • No PMI Required
  • We finance up to 95% loan to value

Purchase/Refinance plus Improvements

  • Convenient way to make renovations, repairs or improvements when purchasing a home.
  • One time close
  • We finance up to 95% loan to value

Second homes

  • We finance up to 80% loan to value

Home Equity

  • $15,000 minimum loan amount
  • We finance up to 80% loan to value
  • Consolidate debt
  • Repairs and renovations

Home Equity Line of Credit

  • Low Fixed Interest Rate
  • Invest in education
  • Help pay for major expenses
  • Flexibility to use your funds over time
  • Transfer credit card or installment loan balances from other financial institutions to your HELOC

Home improvements

  • We finance up to 90% loan to value
  • Minimum $15,000

Land

  • We finance up to 80% loan to value

Interim construction

  • We finance up to 90% loan to value
  • One time close
Car and Home insurance. You could save an average of $427.96. Get a quote.
BVSCU is an Equal Credit Opportunity lender.

*Insurance and warranty products are not products of BVSCU and are not obligations of or guaranteed by BVSCU. Insurance and warranty products may be purchased from an agent or an insurance company of your choice; and BVSCU makes no representations as to the services of any provider

Loan Payment Calculator

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This calculator is intended for informational purposes only. These calculations are not guaranteed to be accurate and are in no way endorsed, offered, or guaranteed by Brazos Valley Schools Credit Union. Be sure to consult a financial professional prior to relying on the results.