What are the current interest rates at Benton County Schools Credit Union?

Current rates for Benton County Schools Credit Union include: 12-Month CD: 1.26%, 24-Month CD: 1.51%, MMA: 1.01%

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Benton County Schools Credit Union

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Benton County Schools Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Benton County Schools 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 9, 2026

Benton County Schools Credit Union's top rates as of October 9, 2026 are 3.56% APY on its 6 Month Platinum CD, 1.01% APY on money market accounts, personal loans from 5.50% APR, and credit cards from 13.95% APR, according to rates verified by MonitorBankRates. Other Benton County Schools Credit Union CD rates include 6 Month CD at 3.56%, 6 Month Gold at 3.30%, and 6 Month Silver at 3.04%. MonitorBankRates evaluates the financial stability of Benton County Schools Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.28%. Rates last updated and verified on 10/09/2026.

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

Ranked #85 Healthiest Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.28%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Benton County Schools Credit Union
Main Office

2101 NW Professional DR
Corvallis, OR 97330

https://www.bcscu.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.

Benton County Schools Credit Union CD Rates

Product	Rate	APY	Term
6 Month Platinum	3.50%	3.557%	6 months
Min Deposit $1 Min Balance $1 Details Loyalty Length: 25 Years; Max. Balance: $100,000.00; Auto Renewal: No; Early Withdrawal Penalty: Up to 3 months of dividend Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.56% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
6 Month Share Certificate	3.50%	3.557%	6 months
Min Deposit $1 Min Balance $1 Details Max. Balance: $100,000.00; Auto Renewal: Yes; Early Withdrawal Penalty: Up to 3 months of dividend Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
6 Month Gold	3.25%	3.299%	6 months
Min Deposit $1 Min Balance $1 Details Loyalty Length: 15 Years; Max. Balance: $100,000.00; Auto Renewal: No; Early Withdrawal Penalty: Up to 3 months of dividend Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
6 Month Silver	3.00%	3.042%	6 months
Min Deposit $1 Min Balance $1 Details Loyalty Length: 5 Years; Max. Balance: $100,000.00; Auto Renewal: No; Early Withdrawal Penalty: Up to 3 months of dividend Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.04% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
IRA Certificate - 3 year	1.75%	1.764%	3 year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.76% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
IRA Certificate - 2 Year	1.50%	1.51%	2 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.51% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
IRA Certificate - 1 Year	1.25%	1.257%	1 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.26% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%

Benton County Schools Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market	1.00%	1.01%
Details Published APY range: 1.01% - 1.11%; Published APR range: 1.00% - 1.10%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%

Benton County Schools Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (HELOC)	-	-	7.50%	5-Year Draw Period
Details Margin: 3.00%; Minimum APR: 4.00% Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.00% → 7.50% ▲ 0.50 pts · high 7.50% / low 7.00% Sep 18, 20267.50%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
Home Equity Line of Credit (HELOC)	-	-	8.00%	10-Year Draw Period
Details Margin: 3.50%; Minimum APR: 4.50% Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.50% → 8.00% ▲ 0.50 pts · high 8.00% / low 7.50% Sep 18, 20268.00%▲ from 7.50% Sep 14, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%

Benton County Schools Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan	-	-	4.49%	Up to 84 Months
Details New auto as defined below. Rate based on credit qualification. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
New Vehicle - Variable Rate Loans	-	-	4.50%	Up to 84 Months
Details Margin: 3.50%; Minimum APR: 4.00% Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
Used Vehicle (less than 6 model years old) Loan	-	-	5.00%	Up to 84 Months
Details Margin: 4.50%; Minimum APR: 4.00% Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
Used Vehicle (less than 6 model years old) Loan	-	-	5.49%	Up to 84 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
Used Vehicle (greater than 6 model years old) - Variable Rate Loans	-	-	5.50%	Up to 72 Months
Details Margin: 4.50%; Minimum APR: 5.00% Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
Used Vehicle (greater than 6 model years old) Loan	-	-	5.99%	Up to 72 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%

Benton County Schools Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New RVs & Boats - Variable Rate Loan	-	6.75%	Up to 120 Months
Details Margin: 2.75%; Minimum APR: 6.75% Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
New RVs & Boats - Variable Rate Loan	-	6.75%	Up to 144 Months
Details Margin: 2.75%; Minimum APR: 6.75% Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
New RVs & Boats - Variable Rate Loan	-	6.75%	Up to 180 Months
Details Margin: 2.75%; Minimum APR: 6.75% Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
Used RVs & Boats - Variable Rate Loan	-	7.25%	Up to 96 Months
Details Margin: 3.25%; Minimum APR: 7.25% Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
New RVs & Boats - Fixed Rate	-	7.99%	Up to 120 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
New RVs & Boats - Fixed Rate	-	8.25%	Up to 144 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
New RVs & Boats - Fixed Rate	-	8.50%	Up to 180 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
Used RVs & Boats - Fixed Rate	-	8.99%	Up to 96 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%

Benton County Schools Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Card	-	13.95%
Details Other APRs (Cash advances and balance transfers): 13.95% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.95% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%

Benton County Schools Credit Union Personal Loan Rates

Product	APR	Term
Consolidation Loans	5.50%
Details As low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
Signature Loan	6.50%	36 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
Signature Loan	7.50%	48 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
Signature Loan	8.50%	60 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.50% → 8.50% ▲ 1.00 pts · high 8.50% / low 7.50% Sep 18, 20268.50%▲ from 7.50% Sep 14, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
Personal line of credit	9.60%	Up to 60 Months
Details Margin: 5.50%; Minimum APR: 6.00% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.60% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%

Benton County Schools Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
6 Month 6 New Money Cert. Special	4.00%	-	4.07%	6 months
Details Special Expiration: Anytime; Early Withdrawal Penalty: Up to 3 months of dividend Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.07% ▲ 0.07 pts · high 4.07% / low 4.00% Sep 22, 20264.07%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
6 Month Cert. Special	3.50%	-	3.557%	6 months
Details Special Expiration: Anytime; Early Withdrawal Penalty: Up to 3 months of dividend Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 3.56% ▲ 0.06 pts · high 3.56% / low 3.50% Sep 22, 20263.56%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
Fixed Rate - 15-Year - New Loan	-	-	6.875%	15-Year
Details Some restrictions apply. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.25% → 6.88% ▲ 0.63 pts · high 6.88% / low 6.25% Oct 9, 20266.88%▲ from 6.75% Oct 1, 20266.75%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
Fixed Rate - 15-Year - Refinance	-	-	6.875%	15-Year
Details Some restrictions apply. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.25% → 6.88% ▲ 0.63 pts · high 6.88% / low 6.25% Oct 9, 20266.88%▲ from 6.75% Oct 1, 20266.75%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
Fixed Rate - 30-Year - New Loan	-	-	7.875%	30-Year
Details Some restrictions apply. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.99% → 7.88% ▲ 0.88 pts · high 7.88% / low 6.99% Oct 9, 20267.88%▲ from 7.49% Oct 1, 20267.49%▲ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
Fixed Rate - 30-Year - Refinance	-	-	7.875%	30-Year
Details Some restrictions apply. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.99% → 7.88% ▲ 0.88 pts · high 7.88% / low 6.99% Oct 9, 20267.88%▲ from 7.49% Oct 1, 20267.49%▲ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
IRA	3.687%	-	3.75%	6 months
Min Deposit $1 Min Balance $1 Details Max. Balance: $100,000.00; Auto Renewal: No; Special Expiration: Anytime; Early Withdrawal Penalty: Up to 3 months of dividend Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
Roth IRA	3.687%	-	3.75%	6 months
Min Deposit $1 Min Balance $1 Details Max. Balance: $100,000.00; Auto Renewal: No; Special Expiration: Anytime; Early Withdrawal Penalty: Up to 3 months of dividend Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%

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

Benton County Schools Credit Union’s Texas Ratio stayed near 0.06% in Q3 2023 to 0.28% 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	$69M	0.28%	5.0	A+
March 31, 2026	$71M	3.02%	5.0	A+
December 31, 2025	$70M	0.12%	5.0	A+
September 30, 2025	$71M	0.08%	5.0	A+
June 30, 2025	$70M	0.45%	5.0	A+
March 31, 2025	$68M	0.51%	5.0	A+
December 31, 2024	$68M	0.00%	5.0	A+
September 30, 2024	$68M	0.15%	5.0	A+
June 30, 2024	$68M	0.00%	5.0	A+
March 31, 2024	$67M	0.00%	5.0	A+
December 31, 2023	$65M	0.01%	5.0	A+
September 30, 2023	$67M	0.06%	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 Benton County 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 Benton County 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 Benton County Schools Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Benton County Schools Credit Union

Website https://www.bcscu.org

Address 2101 NW Professional DR, Corvallis, OR 97330

Phone 541-754-7765

Fax 541-757-7526

President Dorothy Gallagher

CEO Amanda Held

Full-Time Employees 10

Part-Time Employees 0

Branch Locations 2

ATM Locations 2

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.28%

Return on Assets (ROA)

0.1794%

Return on Equity (ROE)

1.6961%

Non-Performing Loans Ratio (NPL)

0.06%

Total Assets

69,395,684

Total Amount of Shares and Deposits

61,849,795

Total Shares and Deposits < 1 Year

60,256,372

Total Shares and Deposits 1 3 Years

1,498,082

Total Shares and Deposits > 3 Years

95,343

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

2,487,398

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

2,487,398

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

59,362,397

Total Interest Expense (Sum of items 6 8)

343,379

Share Certificates

201

Number of Accounts for Share Drafts

1,597

IRA KEOGH Accounts

117

Number of Accounts for Regular Shares

2,256

All other shares

928

Money Market Shares

220

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)

11,398,799

Total Liabilities

62,056,528

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Benton County Schools Credit Union earned the Top 100 Healthiest 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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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Credit Unions Q2 2026 ranking.

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Frequently Asked Questions About Benton County Schools Credit Union

How many branches does Benton County Schools Credit Union operate?

Benton County 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 Benton County Schools Credit Union?

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

Does Benton County Schools Credit Union offer online and mobile banking?

Most modern institutions like Benton County 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.bcscu.org.