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 Baylor Health Care System Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
Baylor Health Care System Credit Union's savings rates are at 0.30%. Baylor Health Care System Credit Union's Personal Loan Rates are as low as 10.00%. Baylor Health Care System Credit Union's Credit Card Rates are at 3.90%. MonitorBankRates evaluates the financial stability of Baylor Health Care System Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.48%. Rates last updated and verified on 09/22/2026. Baylor Health Care System Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Baylor Health Care System Credit Union? Share your experience about Baylor Health Care System Credit Union by leaving a review below, or read customer reviews before you decide to use Baylor Health Care System Credit Union. Baylor Health Care System Credit Union
Main Office 4005 Crutcher St Ste 130
https://www.bhcscu.com Dallas, TX 75246-1780 
Baylor Health Care System Credit Union Savings Rates
Baylor Health Care System Credit Union Checking Rates
Baylor Health Care System Credit Union Home Equity & HELOC
Baylor Health Care System Credit Union Auto Loan Rates
Baylor Health Care System Credit Union RV, Boat and Powersport Loan Rates
Baylor Health Care System Credit Union Credit Card Rates
Baylor Health Care System Credit Union Personal Loan Rates
Baylor Health Care System Credit Union Other Rates
Financial Health HistoryBaylor Health Care System Credit Union’s Texas Ratio fell from 3.77% in Q2 2023 to 2.48% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Baylor Health Care System Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Baylor Health Care System Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Baylor Health Care System Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Baylor Health Care System Credit Union
Website
https://www.bhcscu.com
Address
4005 Crutcher St Ste 130,
Dallas, TX 75246-1780
Phone
469-676-2200
Fax
972-698-5700
President
LaVone Arthur
CEO
Delana Huling
Full-Time Employees
12
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.48%
Return on Assets (ROA)
0.1779%
Return on Equity (ROE)
0.8052%
Non-Performing Loans Ratio (NPL)
1.35%
Total Assets
81,095,864
Total Amount of Shares and Deposits
63,123,152
Total Shares and Deposits < 1 Year
63,123,152
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,668,284
Total Uninsured Shares and Deposits > $250K (F+J)
2,668,284
Total Insured Shares and Deposits > $250K (item 17 less item K)
60,454,868
Total Interest Expense (Sum of items 6 8)
35,953
Number of Accounts for Share Drafts
3,566
IRA KEOGH Accounts
116
Number of Accounts for Regular Shares
4,936
All other shares
286
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
21,061,864
Total Liabilities
63,388,082
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Baylor Health Care System Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Baylor Health Care System Credit Union
Frequently Asked Questions About Baylor Health Care System Credit UnionHow many branches does Baylor Health Care System Credit Union operate?Baylor Health Care System Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Baylor Health Care System Credit Union?Yes, to access services at Baylor Health Care System Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Baylor Health Care System Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Baylor Health Care System Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Baylor Health Care System Credit Union offer online and mobile banking?Most modern institutions like Baylor Health Care System Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bhcscu.com. Current Baylor Health Care System Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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