EFFECTIVE DATE: 09/24/2025

DISCLOSURES AND RATE AND FEES SCHEDULE

Rates are subject to change without notice.

PERSONAL LOANS
REAL ESTATE LOANS
VEHICLE LOANS
RECREATION VEHICLE LOANS

Personal Loans

TYPE	TERMS	APR*
Line of Credit	Up to 48 Months	9.00% – 13.50%
Mastercard*	N/A	8.99% – 18.00%
Signature	Up to 60 months	9.00% – 18.00%
Credit Builder	Up to 18 months	16.00%
Summer/Holiday Loan	Up to 18 months	9.00% – 13.50%
Express Loan	Up to 12 Months	15.75%

Savings Secured – $500 to $10,000	Up to 60 Months	Share + 3%
Savings Secured – $10,001 and up	Up to 60 Months	Share + 2%
Certificate Secured – $1,000 – $10,000	Up to 48 Months	Share + 3%
Certificate Secured – $10,001 and up	Up to 48 Months	Share + 2%

Apply for a Personal Loan

* The Annual Percentage Rate (APR) you receive for the indicated loan type will be within the range disclosed and is based on various credit-worthiness criteria. See our Mastercard Credit Card Agreement and Mastercard Application and Solicitation Disclosure forms. You may apply for a loan with our online loan application/request here or you are welcome to come by one of our locations.

*All rates are subject to change without notice

Examples of how loans are calculated:

Signature Loan – $5,000 at 9.00% APR for 36 months is $159.01 per month
Share Secured Loan – $5,000 at 3.1% APR for 60 months is $90.07 per month
Term Share Secured Loan – $5,000 at 3.45% APR for 60 months is $90.85 per month
Holiday Loan – $5,000 at 7.00% APR for 12 months is $432.80

Real Estate Loans

PURCHASE/REFINANCE

TYPE	TERM	INTEREST RATE*	APR*
90% Loan to Value	30-Year Fixed Rate	6.25%	6.420%
	15-Year Fixed Rate	5.50%	5.776%
95% Loan to Value	30-Year Fixed Rate	6.50%	6.672%
	15-Year Fixed Rate	5.75%	6.028%

HOME EQUITY

TYPE	TERM	INTEREST RATE*	APR*
80% Loan to Value	20-Year Fixed Rate	7.00%	7.103%
	15-Year Fixed Rate	6.75%	6.877%
	10-Year Fixed Rate	6.50%	6.678%
	5-Year Fixed Rate	6.25%	6.583%

HOME EQUITY LINE OF CREDIT

TYPE	TERM	INTEREST RATE*	APR*
80% Loan to Value	20-Year Fixed Rate	7.75%	8.087%

HOME IMPROVEMENT

TYPE	TERM	INTEREST RATE*	APR*
90% Loan to Value	20-Year Fixed Rate	6.50%	6.852%
	15-Year Fixed Rate	6.25%	6.687%
	10-Year Fixed Rate	6.00%	6.614%
	5-Year Fixed Rate	5.75%	6.902%

SECOND HOME

TYPE	TERM	INTEREST RATE*	APR*
80% Loan to Value	30-Year Fixed Rate	7.00%	7.178%
	15-Year Fixed Rate	5.75%	6.028%

Apply for a Real Estate Loan

Additional mortgage products offered:

Construction Loan/ Construction to Permanent Loan
Purchase Plus Improvements
Townhome/Condominium
Manufactured Home w/land
Land Loan
Jumbo Loans

For more information, please contact us at realestatedept@bvscu.org or at 281-391-2149.

*The interest rate and Annual Percentage Rate (APR) you receive for the indicated loan type will be based on various credit-worthiness criteria. All loans are subject to credit approval.

Note: The following payment examples do not include taxes and insurance:

Purchase/Refinance: 30 Year 1st lien Home Loan at 6.42% APR is $62.68 per every $10,000.00 financed.
Home Equity: 20 Year Home Equity Loan at 7.103% APR is $71.03 per every $10,000.00 financed.
HELOC: 20 Year HELOC at 8.087% APR is $80.87 per every $10,000 financed.
- **During a 20 Year Home Equity Line of Credit Loan, the first 5 years you pay interest only.
Home Improvement: 10 Year Home Improvement Loan at 6.614% APR is $87.72 per every $10,000 financed.
Second Home: 30 Year 1st Lien Home Loan at 7.178% APR is $67.73 per every $10,000 financed.

*All rates are subject to change without notice

*All real estate loans are required to have homeowners insurance.

BVSCU makes loans without regard to race, color, religion, national origin, sex, handicap or familial status.

Vehicle Loans

NEW VEHICLES

TYPE	TERM	APR*
2025 New Vehicles & Newer	4.74% – 16.74%	Up to 48-54 Months
	4.99% – 16.99%	Up to 60 Months
	5.24% – 17.24%	Up to 72 Months
	5.74% – 17.49%	Up to 84 Months

USED VEHICLES

TYPE	TERM	APR*
2022-2024 Used Vehicles	4.99% – 16.99%	Up to 48 Months
	5.24% – 17.24%	Up to 72 Months
2018 – 2021 Used Vehicles	5.49% – 17.49%	Up to 48 Months
	5.74% – 17.49%	Up to 60 Months
2014 – 2017 Used Vehicles	5.99% – 17.49%	Up to 48 Months
	6.24% – 17.49%	Up to 54 Months

Apply for a Vehicle Loan

* The Annual Percentage Rate (APR) you receive for the indicated loan type will be within the range disclosed and is based on various credit-worthiness criteria. You may apply for a loan with our online loan application/request here or you are welcome to come by one of our locations.

For example, the payment for a $25,000 auto loan at 5.49% APR for 72 months would be $408.39.

Specialty vehicles, such as specially-ordered vehicles are only available for terms up to 72 months.

*All rates are subject to change without notice

Recreation Vehicle Loans

**BOATS, TRAVEL TRAILERS, CAMPERS

TYPE	TERM	APR*
Boats, Travel Trailers, Campers – current year	84 Months	8.00%
	72 Months	7.50%
	36-60 Months	6.99% – 8.49%

NEW MOTORHOMES

TYPE	TERM	APR*
New Motorhomes	180 Months	7.74% – 8.49%

USED MOTORHOMES

TYPE	TERM	APR*
Used Motorhomes	180 Months	7.74% – 8.49%

MOTORCYCLES

TYPE	TERM	APR*
Motorcycles*	48 Months	6.00% – 12.25%
	54 Months	6.50% – 12.75%
	60 Months	7.50% – 13.75%
	72 Months	9.00% – 15.25%

Apply for a Recreational Vehicle Loan

*The Annual Percentage Rate (APR) you receive for the indicated loan type will be within the range disclosed and is based on various credit-worthiness criteria. You may apply for a loan here or you are welcome to stop by one of our locations. Maximum Loan to Value is 90% of purchase price or NADA Retail Value.

*Special financing on motorcycles for law enforcement officers. Check at any BVSCU office for details.

**Boats, Travel Trailers, Campers
Eligibility limited to units manufactured within the past 5 years.

Examples of how loans are calculated are:

Boat, Travel Trailer, or Camper Loan – $40,000 at 6.99% APR for 60 months is $792.00 monthly
Motorhome Loan – $65,000 at 7.74% APR for 180 months is $611.69 monthly
Motorcycle Loan – $15,000 at 7.50% APR for 60 months $300.65 monthly

*All rates are subject to change without notice