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Brazos Valley Schools Credit Union

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Brazos Valley Schools Credit Union Rates & Review November 2026

Q: What are the current interest rates at Brazos Valley Schools Credit Union?

Current rates for Brazos Valley Schools Credit Union include: 12-Month CD: 4.00%, 24-Month CD: 3.85%, Savings: 0.10%, MMA: 1.35%

Q: What CD terms does Brazos Valley Schools Credit Union offer?

Brazos Valley Schools Credit Union CD rates are 3.50% APY for a 6 month CD, 4.00% APY for a 12 month CD, 3.85% APY for a 2 year CD, 3.75% APY for a 3 year CD and 3.65% APY for a 4 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Brazos Valley Schools Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Brazos Valley Schools Credit Union's CD Account - 12 month rates are at 4.00%, CD Account - 24 month rates are at 3.85%, CD Account - 36 month rates are at 3.75%, CD Account - 48 month rates are at 3.65%, CD Account - 6 month rates are at 3.50%. Brazos Valley Schools Credit Union's savings rates are at 0.10%. Brazos Valley Schools Credit Union's money market rates are at 1.35%. Brazos Valley Schools Credit Union's Purchase/Refinance Loan rates are at 6.00%, Home Improvement Loan - 10-Year Fixed Rate rates are at 6.50%, Home Improvement Loan - 15-Year Fixed Rate rates are at 6.75%, Home Improvement Loan - 20-Year Fixed Rate rates are at 7.00%. Brazos Valley Schools Credit Union's Personal Loan Rates are as low as 9.00%. Brazos Valley Schools Credit Union's Credit Card Rates are at 8.99%. Brazos Valley Schools Credit Union's CD rates are 23% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Brazos Valley Schools Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.82%. Rates last updated and verified on 10/29/2026.

Brazos Valley Schools 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 Brazos Valley Schools Credit Union? Share your experience about Brazos Valley Schools Credit Union by leaving a review below, or read customer reviews before you decide to use Brazos Valley Schools Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.82%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Brazos Valley Schools Credit Union
BVSCU Administrative Office

25525 Katy Mills Pkwy
Katy, TX 77494

https://www.bvscu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Brazos Valley Schools Credit Union CD Rates

Product	Rate	APY	Term
Certificate Account - 12 month	3.94%	4.00%	12 Months
Min Deposit $1,000 Details Dividends compounded quarterly; dividends credited quarterly; additional deposits at maturity only; early withdrawal penalty: up to 90 days dividends; renewals automatic with 10 day grace period Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 1, 20264.00%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
IRA Jumbo Term Certificate - 12 month	3.94%	4.00%	12 Months
Min Deposit $95,000 Details Available as both Traditional and Roth; Dividends compounded quarterly, credited quarterly; Early withdrawal penalty: Up to 90 days dividends; Renewals: Automatic with 10 day grace period Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Jumbo Certificate Account - 12 month	3.93%	4.00%	12 Months
Min Deposit $95,000 Details Dividends compounded Monthly; dividends credited Monthly; early withdrawal penalty: Up to 90 days dividends; renewals: Automatic with 10 day grace period Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 1, 20264.00%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Certificate Account - 24 month	3.80%	3.85%	24 Months
Min Deposit $1,000 Details Dividends compounded quarterly; dividends credited quarterly; additional deposits at maturity only; early withdrawal penalty: up to 180 days dividends; renewals automatic with 10 day grace period Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50% Oct 1, 20263.85%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
IRA Jumbo Term Certificate - 24 month	3.80%	3.85%	24 Months
Min Deposit $95,000 Details Available as both Traditional and Roth; Dividends compounded quarterly, credited quarterly; Early withdrawal penalty: Up to 180 days dividends; Renewals: Automatic with 10 day grace period Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Jumbo Certificate Account - 24 month	3.78%	3.85%	24 Months
Min Deposit $95,000 Details Dividends compounded Monthly; dividends credited Monthly; early withdrawal penalty: Up to 180 days dividends; renewals: Automatic with 10 day grace period Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50% Oct 1, 20263.85%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Certificate Account - 36 month	3.70%	3.75%	36 Months
Min Deposit $1,000 Details Dividends compounded quarterly; dividends credited quarterly; additional deposits at maturity only; early withdrawal penalty: up to 180 days dividends; renewals automatic with 10 day grace period Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25% Oct 1, 20263.75%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
IRA Jumbo Term Certificate - 36 month	3.70%	3.75%	36 Months
Min Deposit $95,000 Details Available as both Traditional and Roth; Dividends compounded quarterly, credited quarterly; Early withdrawal penalty: Up to 180 days dividends; Renewals: Automatic with 10 day grace period Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Jumbo Certificate Account - 36 month	3.69%	3.75%	36 Months
Min Deposit $95,000 Details Dividends compounded Monthly; dividends credited Monthly; early withdrawal penalty: Up to 180 days dividends; renewals: Automatic with 10 day grace period Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25% Oct 1, 20263.75%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Certificate Account - 48 month	3.60%	3.65%	48 Months
Min Deposit $1,000 Details Dividends compounded quarterly; dividends credited quarterly; additional deposits at maturity only; early withdrawal penalty: up to 180 days dividends; renewals automatic with 10 day grace period Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.65% ▲ 0.65 pts · high 3.65% / low 3.00% Oct 1, 20263.65%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
IRA Jumbo Term Certificate - 48 month	3.60%	3.65%	48 Months
Min Deposit $95,000 Details Available as both Traditional and Roth; Dividends compounded quarterly, credited quarterly; Early withdrawal penalty: Up to 180 days dividends; Renewals: Automatic with 10 day grace period Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Jumbo Certificate Account - 48 month	3.59%	3.65%	48 Months
Min Deposit $95,000 Details Dividends compounded Monthly; dividends credited Monthly; early withdrawal penalty: Up to 180 days dividends; renewals: Automatic with 10 day grace period Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.65% ▲ 0.65 pts · high 3.65% / low 3.00% Oct 1, 20263.65%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Certificate Account - 6 month	3.45%	3.50%	6 Months
Min Deposit $1,000 Details Dividends compounded quarterly; dividends credited quarterly; additional deposits at maturity only; early withdrawal penalty: up to 90 days dividends; renewals automatic with 10 day grace period Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Oct 1, 20263.50%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
IRA Jumbo Term Certificate - 6 month	3.45%	3.50%	6 Months
Min Deposit $95,000 Details Available as both Traditional and Roth; Dividends compounded quarterly, credited quarterly; Early withdrawal penalty: Up to 90 days dividends; Renewals: Automatic with 10 day grace period Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Jumbo Certificate Account - 6 month	3.45%	3.50%	6 Months
Min Deposit $95,000 Details Dividends compounded Monthly; dividends credited Monthly; early withdrawal penalty: Up to 90 days dividends; renewals: Automatic with 10 day grace period Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Oct 1, 20263.50%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Certificate Account - 3 month	1.74%	1.75%	3 Months
Min Deposit $1,000 Details Dividends compounded quarterly; dividends credited quarterly; additional deposits at maturity only; early withdrawal penalty: up to 90 days dividends; renewals automatic with 10 day grace period Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 1.25% → 1.75% ▲ 0.50 pts · high 1.75% / low 1.25% Oct 1, 20261.75%▲ from 1.25% Sep 14, 20261.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
IRA Jumbo Term Certificate - 3 month	1.74%	1.75%	3 Months
Min Deposit $95,000 Details Available as both Traditional and Roth; Dividends compounded quarterly, credited quarterly; Early withdrawal penalty: Up to 90 days dividends; Renewals: Automatic with 10 day grace period Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Jumbo Certificate Account - 3 month	1.74%	1.75%	3 Months
Min Deposit $95,000 Details Dividends compounded Monthly; dividends credited Monthly; early withdrawal penalty: Up to 90 days dividends; renewals: Automatic with 10 day grace period Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 1.25% → 1.75% ▲ 0.50 pts · high 1.75% / low 1.25% Oct 1, 20261.75%▲ from 1.25% Sep 14, 20261.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%

Brazos Valley Schools Credit Union Savings Rates

Product	Rate	APY	View More
Regular Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5 Details Balance to avoid service fee: $0.00; Dividends compounded: Quarterly; Dividends credited: Quarterly; Dividend calculation method: Average Daily Balance Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%

Brazos Valley Schools Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	1.35%	1.35%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $250,000 & Above; Min balance to earn stated APY: $2,500.00; Dividends compounded Monthly, credited Monthly; Dividend calculation method: Average Daily Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 1.20% → 1.35% ▲ 0.15 pts · high 1.35% / low 1.20% Oct 26, 20261.35%▲ from 1.20% Sep 14, 20261.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Money Market Accounts	1.30%	1.30%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Min balance to earn stated APY: $2,500.00; Dividends compounded Monthly, credited Monthly; Dividend calculation method: Average Daily Balance Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 1.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Money Market Accounts	1.25%	1.25%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Min balance to earn stated APY: $2,500.00; Dividends compounded Monthly, credited Monthly; Dividend calculation method: Average Daily Balance Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Money Market Accounts	1.20%	1.20%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $49,999.99; Min balance to earn stated APY: $2,500.00; Dividends compounded Monthly, credited Monthly; Dividend calculation method: Average Daily Balance Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Money Market Accounts	0.00%	0.00%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $0 - $2,499.99; Min balance to earn stated APY: $2,500.00; Dividends compounded Monthly, credited Monthly; Dividend calculation method: Average Daily Balance Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%

Brazos Valley Schools Credit Union Checking Rates

Product	Rate	APY	View More
Student Checking	0.00%	0.00%
Min Deposit $5 Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%

Brazos Valley Schools Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Purchase/Refinance Loan	6.00%	-	6.326%	15-Year Fixed Rate
Details Loan to Value: 90% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.33% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Purchase/Refinance Loan	6.50%	-	6.701%	30-Year Fixed Rate
Details Loan to Value: 90% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.68% → 6.70% ▲ 0.02 pts · high 6.70% / low 6.68% Oct 26, 20266.70%▲ from 6.68% Sep 14, 20266.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Home Improvement Loan - 10-Year Fixed Rate	6.50%	-	6.81%	10-Year
Details Loan to Value: 90% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.81% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Home Improvement Loan - 15-Year Fixed Rate	6.75%	-	6.94%	15-Year
Details Loan to Value: 90% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.94% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Purchase/Refinance Loan	6.25%	-	6.948%	15-Year Fixed Rate
Details Loan to Value: 95% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.95% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Purchase/Refinance Loan	6.75%	-	6.999%	30-Year Fixed Rate
Details Loan to Value: 95% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.68% → 7.00% ▲ 0.32 pts · high 7.00% / low 6.68% Oct 26, 20267.00%▲ from 6.68% Sep 14, 20266.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Home Improvement Loan - 20-Year Fixed Rate	7.00%	-	7.15%	20-Year
Details Loan to Value: 90% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.15% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%

Brazos Valley Schools Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	6.00%	-	6.334%	5-Year Fixed Rate
Details Type: 80% Loan to Value Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.33% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Home Equity Loan	6.25%	-	6.429%	10-Year Fixed Rate
Details Type: 80% Loan to Value Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.43% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Home Equity Loan	6.50%	-	6.628%	15-Year Fixed Rate
Details Type: 80% Loan to Value Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.63% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Home Equity Loan	6.75%	-	6.853%	20-Year Fixed Rate
Details Type: 80% Loan to Value Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.99% → 6.85% ▼ 0.14 pts · high 6.99% / low 6.85% Oct 13, 20266.85%▼ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Home Equity Line of Credit (HELOC)	-	-	8.087%	Up to 20 years
Details As Low As; Fixed rates; No PMI needed; minimum advance amount $4,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.09% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%

Brazos Valley Schools Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
2026 New Vehicles & Newer Loan	-	-	4.99%	Up to 48-54 Months
Details APR range: 4.99% - 16.99% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.49% → 4.99% ▲ 0.50 pts · high 4.99% / low 4.49% Oct 9, 20264.99%▲ from 4.49% Sep 14, 20264.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Used Vehicle Loan - 2023-2025 Used Vehicles	-	-	4.99%	Up to 48 Months
Details APR range: 4.99% - 17.49%; APR based on creditworthiness within the range disclosed Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
2026 New Vehicles & Newer Loan	-	-	5.24%	Up to 60 Months
Details APR range: 5.24% - 17.24% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.74% → 5.24% ▲ 0.50 pts · high 5.24% / low 4.74% Oct 9, 20265.24%▲ from 4.74% Sep 14, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Used Vehicle Loan - 2023-2025 Used Vehicles	-	-	5.24%	Up to 72 Months
Details APR range: 5.24% - 17.74%; APR based on creditworthiness within the range disclosed Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
2026 New Vehicles & Newer Loan	-	-	5.49%	Up to 72 Months
Details APR range: 5.49% - 17.49% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99% Oct 9, 20265.49%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Used Vehicle Loan - 2019-2022 Used Vehicles	-	-	5.49%	Up to 48 Months
Details APR range: 5.49% - 17.99%; APR based on creditworthiness within the range disclosed Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Used Vehicle Loan - 2019-2022 Used Vehicles	-	-	5.74%	Up to 60 Months
Details APR range: 5.74% - 17.99%; APR based on creditworthiness within the range disclosed Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
2026 New Vehicles & Newer Loan	-	-	5.99%	Up to 84 Months
Details APR range: 5.99% - 17.74% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49% Oct 9, 20265.99%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Used Vehicle Loan - 2015-2018 Used Vehicles	-	-	5.99%	Up to 48 Months
Details APR range: 5.99% - 17.99%; APR based on creditworthiness within the range disclosed Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Used Vehicle Loan - 2015-2018 Used Vehicles	-	-	6.24%	Up to 54 Months
Details APR range: 6.24% - 17.99%; APR based on creditworthiness within the range disclosed Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%

Brazos Valley Schools Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycles Loan	-	6.00%	48 Months
Details Published APR range: 6.00% - 12.25%. Recreational Vehicle Loans; Maximum Loan to Value 90% of purchase price or NADA Retail Value Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Motorcycles Loan	-	6.50%	54 Months
Details Published APR range: 6.50% - 12.75%. Recreational Vehicle Loans; Maximum Loan to Value 90% of purchase price or NADA Retail Value Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Boats, Travel Trailers, Campers - current year Loan	-	6.99%	36-60 Months
Details Published APR range: 6.99% - 7.74%. Eligibility limited to units manufactured within the past 5 years Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Boats, Travel Trailers, Campers - current year Loan	-	7.50%	72 Months
Details Published APR range: 7.50% - 8.99%. Eligibility limited to units manufactured within the past 5 years Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Motorcycles Loan	-	7.50%	60 Months
Details Published APR range: 7.50% - 13.75%. Recreational Vehicle Loans; Maximum Loan to Value 90% of purchase price or NADA Retail Value Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
New Motorhomes Loan	-	7.74%	180 Months
Details APR range: 7.74% - 8.49%; Recreation Vehicle Loans Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Used Motorhomes Loan	-	7.74%	180 Months
Details APR range: 7.74% - 8.49% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Boats, Travel Trailers, Campers - current year Loan	-	8.00%	84 Months
Details Published APR range: 8.00% - 9.49%. Eligibility limited to units manufactured within the past 5 years Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Motorcycles Loan	-	9.00%	72 Months
Details Published APR range: 9.00% - 15.25%. Recreational Vehicle Loans; Maximum Loan to Value 90% of purchase price or NADA Retail Value Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%

Brazos Valley Schools Credit Union Credit Card Rates

Product	Rate	APR	View More
Mastercard	-	8.99%
Details Published APR range: 8.99% - 18.00%. APR range; actual APR within range based on credit-worthiness Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%

Brazos Valley Schools Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	9.00%	Up to 60 months
Details Published APR range: 9.00% - 18.00%. APR range; actual APR within range based on credit-worthiness Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%

Brazos Valley Schools Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Credit Builder Loan	-	-	16.00%	Up to 18 months
Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 16.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Express Loan	-	-	15.75%	Up to 12 Months
Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 15.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Home Improvement Loan	-	-	7.24%	Up to 20 years
Details As Low As; Fixed rates; Up to 90% financing available; loans starting at $15,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Home Improvement Loan - 5-Year Fixed Rate	6.25%	-	6.74%	5-Year
Details Loan to Value: 90% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Line of Credit	-	-	9.00%	Up to 48 Months
Details Published APR range: 9.00% - 13.50%. APR range; actual APR within range based on credit-worthiness Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Second Home - 15-Year Fixed Rate	5.75%	-	6.028%	15-Year
Details Loan to Value: 80% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.03% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Second Home - 30-Year Fixed Rate	7.00%	-	7.178%	30-Year
Details Loan to Value: 80% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.18% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Summer/Holiday Loan	-	-	7.00%	Up to 12 months
Details Published APR range: 7.00% - 16.00%. APR range; actual APR within range based on credit-worthiness Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Vacation / Second Home Loan	-	-	6.028%	Up to 30 years
Details As Low As; Fixed rates; 80% financing available; no PMI needed Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.03% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Brazos Valley Schools Credit Union’s Texas Ratio rose from 2.84% in Q3 2023 to 4.82% in Q2 2026, so its financial health has stayed 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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.0B	4.82%	5.0	A+
March 31, 2026	$1.0B	2.83%	5.0	A+
December 31, 2025	$1.0B	4.25%	5.0	A+
September 30, 2025	$994M	4.27%	5.0	A+
June 30, 2025	$991M	3.82%	5.0	A+
March 31, 2025	$997M	1.93%	5.0	A+
December 31, 2024	$975M	4.02%	5.0	A+
September 30, 2024	$958M	3.39%	5.0	A+
June 30, 2024	$961M	3.13%	5.0	A+
March 31, 2024	$960M	1.72%	5.0	A+
December 31, 2023	$957M	4.09%	5.0	A+
September 30, 2023	$959M	2.84%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Brazos Valley Schools 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 Brazos Valley Schools 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 Brazos Valley Schools Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Brazos Valley Schools Credit Union

Website https://www.bvscu.org

Address 25525 Katy Mills Pkwy, Katy, TX 77494

Phone 281-391-2149

Fax 281-391-8158

President Kathy Kubelka

CEO Yvonne Kershner

Full-Time Employees 159

Part-Time Employees 7

Branch Locations 12

ATM Locations 11

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.82%

Return on Assets (ROA)

0.5501%

Return on Equity (ROE)

5.1747%

Non-Performing Loans Ratio (NPL)

1.32%

Total Assets

1,047,375,850

Total Amount of Shares and Deposits

928,915,766

Total Shares and Deposits < 1 Year

909,036,825

Total Shares and Deposits 1 3 Years

17,538,237

Total Shares and Deposits > 3 Years

2,340,704

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

35,443,941

Total Uninsured Shares and Deposits > $250K (F+J)

35,443,941

Total Insured Shares and Deposits > $250K (item 17 less item K)

893,471,825

Total Interest Expense (Sum of items 6 8)

5,701,389

Share Certificates

6,500

Number of Accounts for Share Drafts

46,230

IRA KEOGH Accounts

1,765

Number of Accounts for Regular Shares

70,087

All other shares

882

Money Market Shares

1,119

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)

173,066,871

Total Liabilities

934,296,651

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Brazos Valley Schools Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Brazos Valley Schools Credit Union

Does Brazos Valley Schools Credit Union offer CDs?

Yes. Brazos Valley Schools Credit Union current CD rates include its CD Account - 12 month at 4.00% APY, its CD Account - 24 month at 3.85% APY and its CD Account - 36 month at 3.75% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Brazos Valley Schools Credit Union NCUA insured?

Yes. Brazos Valley Schools Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Brazos Valley Schools Credit Union?

The highest Brazos Valley Schools Credit Union CD rate is its CD Account - 12 month at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Brazos Valley Schools Credit Union offer?

Brazos Valley Schools Credit Union CD rates are 3.50% APY for a 6 month CD, 4.00% APY for a 12 month CD, 3.85% APY for a 2 year CD, 3.75% APY for a 3 year CD and 3.65% APY for a 4 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Brazos Valley Schools Credit Union for its full lineup.

What is the highest savings rate at Brazos Valley Schools Credit Union?

The highest Brazos Valley Schools Credit Union savings rate is its Regular Savings at 0.10% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Brazos Valley Schools Credit Union?

The highest Brazos Valley Schools Credit Union money market rate is its Money Market Accounts at 1.35% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest mortgage rate at Brazos Valley Schools Credit Union?

The lowest Brazos Valley Schools Credit Union mortgage rate is its Purchase/Refinance Loan at 6.00%, verified by MonitorBankRates as of October 29, 2026. Brazos Valley Schools Credit Union mortgage rates are 7.00% for a 20 year mortgage, 6.75% for a 15 year mortgage and 6.50% for a 10 year mortgage.

What is the lowest auto loan rate at Brazos Valley Schools Credit Union?

The lowest Brazos Valley Schools Credit Union auto loan rate is its 2026 New Vehicles & Newer Loan at 4.99% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Brazos Valley Schools Credit Union?

The lowest Brazos Valley Schools Credit Union personal loan rate is its Signature Loan at 9.00% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Brazos Valley Schools Credit Union?

The lowest Brazos Valley Schools Credit Union credit card APR is its Mastercard Credit Card at 8.99% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Brazos Valley Schools Credit Union operate?

Brazos Valley Schools 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 Brazos Valley Schools Credit Union?

Yes, to access services at Brazos Valley Schools 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, Brazos Valley Schools 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, Brazos Valley Schools Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Brazos Valley Schools Credit Union offer online and mobile banking?

Most modern institutions like Brazos Valley Schools 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.bvscu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Brazos Valley Schools Credit Union rates compare?

Brazos Valley Schools Credit Union's CD rates are 23% higher than the MonitorBankRates national average, and it has an A+ health rating. Brazos Valley Schools Credit Union's top rates are its CD Account - 12 month at 4.00% APY, its Regular Savings at 0.10% APY, its Money Market Accounts at 1.35% APY, its Purchase/Refinance Loan at 6.00%, its Signature Loan at 9.00% APR and its Mastercard Credit Card at 8.99% APR, verified by MonitorBankRates on October 29, 2026.

Current Brazos Valley Schools Credit Union Rates

12-Month CD4.00%
24-Month CD3.85%
Savings0.10%
MMA1.35%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Brazos Valley Schools Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Brazos Valley Schools Credit Union Texas Ratio

Brazos Valley Schools Credit Union Health Trend

Brazos Valley Schools Credit Union CD Rates

Brazos Valley Schools Credit Union Savings Rates

Brazos Valley Schools Credit Union Money Market Rates

Brazos Valley Schools Credit Union Checking Rates

Brazos Valley Schools Credit Union Mortgage Rates

Brazos Valley Schools Credit Union Home Equity & HELOC

Brazos Valley Schools Credit Union Auto Loan Rates

Brazos Valley Schools Credit Union RV, Boat and Powersport Loan Rates

Brazos Valley Schools Credit Union Credit Card Rates

Brazos Valley Schools Credit Union Personal Loan Rates

Brazos Valley Schools Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Brazos Valley Schools Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Brazos Valley Schools Credit Union

Does Brazos Valley Schools Credit Union offer CDs?

Are CDs from Brazos Valley Schools Credit Union NCUA insured?

What is the highest CD rate at Brazos Valley Schools Credit Union?

What CD terms does Brazos Valley Schools Credit Union offer?

What is the highest savings rate at Brazos Valley Schools Credit Union?

What is the highest money market rate at Brazos Valley Schools Credit Union?

What is the lowest mortgage rate at Brazos Valley Schools Credit Union?

What is the lowest auto loan rate at Brazos Valley Schools Credit Union?

What is the lowest personal loan rate at Brazos Valley Schools Credit Union?

What is the lowest credit card APR at Brazos Valley Schools Credit Union?

How many branches does Brazos Valley Schools Credit Union operate?

Is a member application needed to join Brazos Valley Schools Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Brazos Valley Schools Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Brazos Valley Schools Credit Union rates compare?

Current Brazos Valley Schools Credit Union Rates

Compare to Other Credit Unions