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 Brazos Valley Schools 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.
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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
Brazos Valley Schools Credit Union's 12 Month CD rates are at 3.75%, 3 month CD of Deposit rates are at 3.75%, Jumbo CD Account - 12 month rates are at 3.75%, 3 month Jumbo CD of Deposit rates are at 3.75%, Traditional IRA Jumbo Term CDs - 12 month rates are at 3.75%. Brazos Valley Schools Credit Union's savings rates are at 0.10%. Brazos Valley Schools Credit Union's money market rates are at 1.20%. Brazos Valley Schools Credit Union's 90% Loan to Value - 15-Year Fixed Rate rates are at 6.00%, 90% Loan to Value - 30-Year Fixed Rate rates are at 6.50%, 95% Loan to Value - 15-Year Fixed Rate rates are at 6.25%, 95% Loan to Value - 30-Year Fixed Rate rates are at 6.75%. 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%. 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 2.83%. Rates last updated and verified on 09/22/2026. 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. Brazos Valley Schools Credit Union
BVSCU Administrative Office 25525 Katy Mills Pkwy
https://www.bvscu.org Katy, TX 77494 
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 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 HistoryBrazos Valley Schools Credit Union’s Texas Ratio rose from 2.13% in Q2 2023 to 2.83% in Q1 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
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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 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
157
Part-Time Employees
8
Branch Locations
12
ATM Locations
11
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
2.83%
Return on Assets (ROA)
0.2495%
Return on Equity (ROE)
2.3953%
Non-Performing Loans Ratio (NPL)
0.77%
Total Assets
1,038,312,318
Total Amount of Shares and Deposits
924,427,932
Total Shares and Deposits < 1 Year
902,119,792
Total Shares and Deposits 1 3 Years
19,812,722
Total Shares and Deposits > 3 Years
2,495,418
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
33,544,607
Total Uninsured Shares and Deposits > $250K (F+J)
33,544,607
Total Insured Shares and Deposits > $250K (item 17 less item K)
890,883,325
Total Interest Expense (Sum of items 6 8)
2,849,960
Share Certificates
6,413
Number of Accounts for Share Drafts
46,140
IRA KEOGH Accounts
1,776
Number of Accounts for Regular Shares
70,597
All other shares
872
Money Market Shares
1,113
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)
210,306,600
Total Liabilities
928,627,187
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About Brazos Valley Schools Credit UnionHow 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. Current Brazos Valley Schools Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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