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Tips and news from BVSCU.

ACH Debits


The National Automated Clearing House Association, or NACHA, is the organization  that establishes standards and rules followed by financial institutions for transferring payments.  NACHA is implementing Same Day ACH for debits beginning in September.

What does this mean for you?  If you authorize an ACH payment, it could be debited from your account the same day.  Therefore, it's important to ensure available funds are in your checking account when you write a check or initiate an ACH withdrawal to avoid overdraft fees.



The following is a guest post from Sarah Kotb, an 8th Grader at Cinco Ranch Junior High School. Sarah was a student in CRJHS’ business writing program that paired students with local companies to learn the ins and outs of professional communications.

Imagine this, you’re struggling to make your way through your daily commute, when it dawns on you, “I need a better mode of transportation”. Unfortunately, buying a brand new vehicle outright just might not be in your budget right now. Luckily, the friendly and knowledgeable staff at Brazos Valley Schools Credit Union are here to help you finance the car of your dreams with an auto loan that you can feel good about.

When you qualify for membership at BVSCU, you become a valuable part-owner of the credit union with access to great, easy-to-use accounts, convenient financial services, and competitive loan rates. BVSCU’s auto loan program includes extended repayment terms and easy payment options, plus the added optional coverage of Guaranteed Auto Protection (GAP) and life and short-term disability insurance—all at a price that fits your budget!

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Congratulations to Joey Barnes, the 1st place winner in our essay contest. Joey did a great job telling us how he learned a valuable money lesson the hard way. Click here and read all about it.

Congratulations Joey!!!



Spring is well under way and while some of us are muddling through allergies or preparing for the end of the school year, many are diving into the annual ritual of spring cleaning. Piles of junk mail, boxes of old account statements and bills, unopened credit card offers—there are pounds of paper to sort through.

You may be tempted to chuck it all in the trash bin, but you ought to take a closer look at what sensitive information you’re making readily available to potential thieves. Many items, such as your BVSCU monthly statement, contain valuable personal information to scammers who have no qualms about rooting through your easily accessible trash.

Think twice before you trash it and follow these helpful hints to stay safe this spring!

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This Super Saver is well on her way to learning smart money habits.

Adults know that saving money is a great idea. There are many benefits to saving a dollar here and there, building up a solid savings account, and planning ahead with your paycheck. But did you know that something as simple as a savings account can have fantastic and long-lasting positive effects on your children as well?

Planting the seeds of early savings behavior can be a lifelong gift. With a savings account, a child has the opportunity to learn about the concepts of money: needs vs. wants, saving for the future, and the rewards of interest. You might be surprised how quickly Junior learns!

One thing is clear—children who understand the concept of saving become adults who manage their money well. Parents who save for their child’s education often raise their educational expectations for the child while they increase savings behavior, decrease anxiety over money and significantly increase the likelihood of their child attending and graduating college. The resulting adult is well-versed in financial basics, has a great habit of saving and spending responsibly, and has a better chance of achieving a high paying job they love with their hard-earned degree.

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The Merrell Center in Katy was abuzz with laughter, games, friends, and celebration on March 30. Door prizes and e-statement sign-ups weren’t the only events drawing a crowd, however. BVSCU members came from far and wide to gather, socialize, and listen to the annual report from BVSCU President and CEO, Ms. Yvonne Kershner.

This year BVSCU employees hosted a variety of kid-centric activities to celebrate our future savers. Families were welcomed into the event by smiling employees at the ready with face paint, super hero mask crafting, and a real-life Money Machine! Whether kids were taking silly photos at the Selfie Station or battling a simulated tornado whirling cash and coupons, it was clear that FUN was in the air.

Across the way, folks took the time to share their stories and show their support for BVSCU at the Member Testimonial Booth. From a sweet father-daughter team photo to a lifetime member expressing his gratitude—our members had a lot to say and we were honored to listen.

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All BVSCU offices will be closed on Friday, April 14, and Saturday, April 15.

All BVSCU offices will resume normal operating hours on Monday, April 17, 2017.

We wish you a happy and safe holiday.