Brazos Valley Schools Credit UnionBrazos Valley Schools Credit Union

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Rates & Fees

All deposit accounts FEDERALLY INSURED BY NCUA View our Truth In Savings and Rates and Fees Schedule
Please click on each product or service category to review our current rates.* Rates are accurate as of 01/01/17.

Deposit Rates

Type Balance Div Rate *APY Effective
Christmas Club Account No minimum balance required 0.198% 0.20% 11/01/14
Dividend Bearing Checking Minimum balance of below $300 incurs $5 service charge 0.050% 0.05% 12/01/16
IRA Share Account No minimum balance required 0.345% 0.35% 04/01/12
Money Market Checking $0 – $2,499.99 0.00% 0.00% 12/01/16
Money Market Checking $2,500.00 – $49,999.99 0.250% 0.25% 12/01/16
Money Market Checking $50,000.00 – $99,999.99 0.300% 0.30% 12/01/16
Money Market Checking $100,000.00 – $249,999.99 0.350% 0.35% 12/01/16
Money Market Checking Over $250,000.00 0.400% 0.40% 12/01/16
Regular Share Savings $5.00 Minimum 0.100% 0.10% 01/01/17
Second Savings No minimum balance required 0.100% 0.10% 01/01/17
*APY – Annual Percentage Yield. These rates may change at any time without prior notice. Fees could reduce earnings on the account. View our Truth In Savings and Rates and Fees Schedule

IRA Term Share Rates

Term Div Rate *APY Jumbo Div Rate Jumbo *APY Effective
3 Months 0.347% 0.35% 0.597% 0.60% 08/01/14
6 Months 0.447% 0.45% 0.697% 0.70% 08/01/14
12 Months 0.597% 0.60% 0.847% 0.85% 08/01/14
24 Months 0.947% 0.95% 1.197% 1.20% 12/01/16
36 Months 1.147% 1.15% 1.396% 1.40% 12/01/16
48 Months 1.347% 1.35% 1.592% 1.60% 12/01/16
*APY – Annual Percentage Yield. These rates may change at any time without prior notice. Regular Term Share Certificates have a minimum balance of $1,000. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. Certificates automatically renew at maturity. There is a 10 day grace period to make any changes without penalty from the credit union. IRS penalties may be incurred. Please contact any branch office for information regarding our Jumbo Term Share Certificates. View our Truth In Savings and Rates and Fees Schedule

Term Certificate Rates

Term Div Rate *APY Jumbo Div Rate Jumbo *APY Effective
3 Months 0.347% 0.35% 0.597% 0.60% 08/01/14
6 Months 0.447% 0.45% 0.697% 0.70% 08/01/14
12 Months 0.597% 0.60% 0.847% 0.85% 08/01/14
24 Months 0.947% 0.95% 1.197% 1.20% 12/01/16
36 Months 1.147% 1.15% 1.396% 1.40% 12/01/16
48 Months 1.347% 1.35% 1.592% 1.60% 12/01/16
*APY – Annual Percentage Yield. These rates may change at any time without prior notice. Regular Term Share Certificates have a minimum balance of $1,000. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. Certificates automatically renew at maturity. There is a 10 day grace period to make any changes without penalty. Please contact any branch office for information regarding our Jumbo Term Share Certificates. View our Truth In Savings and Rates and Fees Schedule.

Personal Loans

Type Terms APR* Effective
Summer Loans 12 months 8.75% 95/15/17 – 07/31/17
Line of Credit 48 Months 9.00 – 13.50% 11/13/02
MasterCard 0 7.50 – 15.00% 07/01/05
Second Chance 6 Months 17.50% 11/16/15
Signature up to 60 months* 9.00 – 17.50% 11/01/16
Share Secured 60 Months Share + 3% 09/01/07
Term Share Secured 60 Months Term + 3% 08/01/06
* 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 Solicititation 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.

Real Estate Loans

Type Loan to Value Terms Interest Rate* Starting At: APR* Effective
Purchase/Refinance 90% 10 3.50% 3.826% 09/01/16
Purchase/Refinance 90% 15 3.75% 3.976% 09/01/16
Purchase/Refinance 90% 20 4.00% 4.177% 09/01/16
Purchase/Refinance 90% 25 4.25% 4.399% 09/01/16
Purchase/Refinance 90% 30 4.50% 4.632% 09/01/16
Purchase/Refinance 95% 10 3.75% 4.077% 09/01/16
Purchase/Refinance 95% 15 4.00% 4.228% 09/01/16
Purchase/Refinance 95% 20 4.25% 4.429% 09/01/16
Purchase/Refinance 95% 25 4.50% 4.651% 09/01/16
Purchase/Refinance 95% 30 4.75% 4.884% 09/01/16
Purchase Plus Improvement 95% 10 4.25% 4.58% 11/01/15
Purchase Plus Improvement 95% 15 4.50% 4.731% 11/01/15
Purchase Plus Improvement 95% 20 4.75% 4.933% 11/01/15
Purchase Plus Improvement 95% 25 5.00% 5.155% 11/01/15
Purchase Plus Improvement 95% 30 5.25% 5.388% 11/01/15
Purchase Plus Improvement 90% 10 4.50% 4.832% 11/01/15
Purchase Plus Improvement 90% 15 4.75% 4.983% 11/01/15
Purchase Plus Improvement 90% 20 5.00% 5.184% 11/01/15
Purchase Plus Improvement 90% 25 5.25% 5.407% 11/01/15
Purchase Plus Improvement 90% 30 5.50% 5.64% 11/01/15
Land Loan < 25 Acres 80% 10 6.00% 6.341% 12/01/11
Land Loan > 25 Acres 75% 10 8.00% 8.354% 12/01/11
Land Loan < 25 Acres 80% 15 6.50% 6.745% 12/01/11
Land Loan > 25 Acres 75% 15 8.50% 8.759% 12/01/11
Town Homes/Condominium 90% 10 4.00% 4.329% 12/01/11
Town Homes/Condominium 90% 15 4.50% 4.731% 12/01/11
Town Homes/Condominium 90% 20 4.75% 4.933% 12/01/11
Town Homes/Condominium 90% 25 5.00% 5.155% 12/01/11
Manufactured Homes w/Land 80% 15 7.50% 7.752% 12/01/11
Manufactured Homes w/Land 80% 20 8.00% 8.208% 12/01/11
Home Equity 80% 5 4.75% 4.976% 12/01/11
Home Equity 80% 10 5.25% 5.37% 12/01/11
Home Equity 80% 15 5.75% 5.835% 12/01/11
Home Equity 80% 20 6.00% 6.068% 12/01/11
Home Equity Line of Credit 50% 20 Years1 6.50% 6.696% 08/01/14
Home Improvement 90% 5 5.75% 5.978% 08/01/14
Home Improvement 90% 10 6.25% 6.372% 08/01/14
Construction Loans 90% up to 18 mths 8.00% 9.53% 12/01/11
1. During a 20 Year Home Equity Line of Credit Loan, the first 5 years you pay interest only. The highest rate for a Home Equity Line of Credit Loan is 10.75%APR (as of 8/01/16). An example of how financing is calculated is: 20 Year HELOC at 6.5% is $74.56 per every $10,000.00 financed. We also offer other products, including refinancing of home mortgages. Please contact the Real Estate Department for more information. * 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. You may obtain a real estate loan application at any of our offices, or request one by mail, phone, or email at realestatedept@bvscu.org. You may also download real estate loan applications at Apply for a loan. An example of how financing is calculated is: 30 Year 1st Lien Home Loan at 4.50% is $50.67 per every $10,000.00 financed. BVSCU makes loans without regard to race, color, religion, national origin, sex, handicap or familial status. equal-housing-logo Below are the names of our Real Estate Team and their NMLS License Holder Numbers. To contact any of them, just click on their name.

Vehicle Loans

Type Terms APR* Effective
New Vehicles 2017 24 Months 1.99% – 16.99% 11/01/16
New Vehicles 2017 36 Months 1.99% – 16.99% 11/01/16
New Vehicles 2017 48 Months 1.99% – 16.99% 11/01/16
New Vehicles 2017 60 Months 1.99% – 16.99% 11/01/16
New Vehicles 2017 72 Months 1.99% – 16.99% 11/01/16
New Vehicles 2017 84 Months 1.99% – 16.99% 11/01/16
Used Vehicles 2010 36 Months 1.99% – 16.99% 11/01/16
Used Vehicles 2011 36 Months 1.99% – 16.99% 11/01/16
Used Vehicles 2012 36 Months 1.99% – 16.99% 11/01/16
Used Vehicles 2013 48 Months 1.99% – 16.99% 11/01/16
Used Vehicles 2014 54 Months 1.99% – 16.99% 11/01/16
Used Vehicles 2015 60 Months 1.99% – 16.99% 11/01/16
Used Vehicles 2016 72 Months 1.99% – 16.99% 11/01/16
* 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.

Recreational Vehicle Loans

*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 online with our loan application/request or you are welcome to stop by one of our locations.Maximum Loan to Value is 90% of purchase price or NADA Retail Value.
Type Terms APR* Effective
Boats, Travel Trailers, Campers – 1 year old & current year 60 Months 3.75 – 5.25% 10/01/13
Boats, Travel Trailers, Campers – 2 years old 54 Months 3.75 – 5.25% 10/01/13
Boats, Travel Trailers, Campers – 3 years old 48 Months 3.75 – 5.25% 10/01/13
Boats, Travel Trailers, Campers – 4 years old 42 Months 3.75 – 5.25% 10/01/13
Boats, Travel Trailers, Campers – 5 years old 36 Months 3.75 – 5.25% 10/01/13
New Motorhomes 180 Months 4.50 – 5.25% 10/01/13
Used Motorhomes 180 Months 4.50 – 5.25% 10/01/13
Motorcycles* 48 Months 9.00 –15.25% 10/01/13
*Special financing on motorcycles for law enforcement officers. Check at any BVSCU office for details.

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.