What are the current interest rates at Baylor Health Care System Credit Union?

Current rates for Baylor Health Care System Credit Union include: Savings: 0.30%

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Baylor Health Care System Credit Union

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Baylor Health Care System Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Baylor Health Care System Credit Union's top rates as of October 10, 2026 are 0.30% APY on savings, 0.05% APY on checking, and personal loans from 10.00% APR, according to rates verified by MonitorBankRates. 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 2.84%. Rates last updated and verified on 10/10/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.84%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Baylor Health Care System Credit Union
Main Office

4005 Crutcher St Ste 130
Dallas, TX 75246-1780

https://www.bhcscu.com

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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.

Baylor Health Care System Credit Union Savings Rates

Product	Rate	APY
Regular Share (Savings)	0.30%	0.30%
Min Deposit $25 Min Balance $100 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Secondary Share (Savings)	0.30%	0.30%
Min Deposit $25 Min Balance $100 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Christmas Club	0.20%	0.20%
Min Deposit $25 Min Balance $25 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Baylor Health Care System Credit Union Checking Rates

Product	Rate	APY	View More
Share Drafts (Checking)	0.05%	0.05%
Min Deposit $20 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Baylor Health Care System Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	7.25%	61-120 months
Details As low as; 8.25% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Home Equity Loan	-	-	7.50%	121-180 months
Details As low as; 8.50% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Baylor Health Care System Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Vehicles Loan	-	-	5.00%	up to 48 months
Details As low as; No model older than 7 years old Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 5.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
New & Used Vehicles Loan	-	-	5.25%	60 Months
Details As low as; No model older than 7 years old Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
New & Used Vehicles Loan	-	-	5.50%	72 Months
Details As low as; No model older than 7 years old Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Baylor Health Care System Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New & Used Boats, Motorcycles & RV's Loan	-	7.50%	up to 48 months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 7.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
New & Used Boats, Motorcycles & RV's Loan	-	7.75%	60 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
New & Used Boats, Motorcycles & RV's Loan	-	8.00%	72 Months
Details As low as Last Updated 10/10/2026 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: 2.84%
New & Used Boats, Motorcycles & RV's Loan	-	9.00%	84 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Baylor Health Care System Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loans	10.00%	36 months maximum
Details As low as Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 11.49% → 10.00% ▼ 1.49 pts · high 11.49% / low 10.00% Sep 22, 202610.00%▼ from 11.49% Sep 14, 202611.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Baylor Health Care System Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Home Improvement Loan	-	-	7.25%	60-180 months
Details As low as; 9.25% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Line of Credit	-	-	10.00%	24 months maximum
Details As low as Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 11.49% → 10.00% ▼ 1.49 pts · high 11.49% / low 10.00% Sep 22, 202610.00%▼ from 11.49% Sep 14, 202611.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
IRA (all)	0.50%	-	0.50%
Min Deposit $25 Min Balance $25 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Baylor Health Care System Credit Union’s Texas Ratio fell from 4.44% in Q3 2023 to 2.84% in Q2 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

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	$81M	2.84%	5.0	A+
March 31, 2026	$81M	2.48%	5.0	A+
December 31, 2025	$81M	3.68%	5.0	A+
September 30, 2025	$79M	2.13%	5.0	A+
June 30, 2025	$79M	2.44%	5.0	A+
March 31, 2025	$81M	2.38%	5.0	A+
December 31, 2024	$80M	1.61%	5.0	A+
September 30, 2024	$80M	1.13%	5.0	A+
June 30, 2024	$81M	0.89%	5.0	A+
March 31, 2024	$83M	1.79%	5.0	A+
December 31, 2023	$83M	3.30%	5.0	A+
September 30, 2023	$86M	4.44%	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 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 11

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.84%

Return on Assets (ROA)

0.3298%

Return on Equity (ROE)

1.5051%

Non-Performing Loans Ratio (NPL)

1.54%

Total Assets

80,589,660

Total Amount of Shares and Deposits

62,027,537

Total Shares and Deposits < 1 Year

62,027,536

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

2,447,762

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

2,447,762

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

59,579,775

Total Interest Expense (Sum of items 6 8)

71,934

Number of Accounts for Share Drafts

3,592

IRA KEOGH Accounts

116

Number of Accounts for Regular Shares

4,743

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)

18,946,555

Total Liabilities

62,534,633

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Baylor Health Care System Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Baylor Health Care System Credit Union

How 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.