Baptist Credit Union


Overview / Commentary
210-525-0100
5815 IH-10 W
San Antonio, TX 78201

Baptist Credit Union is headquartered in San Antonio and is the 188th largest credit union in the state of Texas. It is also the 2,392nd largest credit union in the nation. It was established in 1955 and as of December of 2024, it had grown to 19 employees and 8,075 members at 5 locations. Baptist Credit Union's CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Baptist Credit Union is open to Baptist-affiliated Churches, organizations, facilities, institutions, and businesses located throughout the Texas counties of San Antonio, Bexar, and Dallas. A full list of eligibility requirements are posted on the credit union's website.
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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Baptist Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #68358
Year Chartered1955
Employees19
Primary Regulator
Profit Margin
Return on Assets - YTD0.33%
Return on Equity - YTD4.07%
Annual Interest Income$2.7MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$52.5MM$48.9MM
LoansQ4 2024vs Q4 2023$39.2MM$38MM
DepositsQ4 2024vs Q4 2023$48MM$44.7MM
Equity CapitalQ4 2024vs Q4 2023$4.2MM$4MM
Loan Loss AllowanceQ4 2024vs Q4 2023$93K$84K
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$99K$88K
Real Estate OwnedQ4 2024vs Q4 2023$0$0
Rates
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Baptist Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$25-Holiday Flex
0.25%$25-Share Savings
0.25%$5-Kid’s Club Savings Account
0.25%$5-Student Savings

Baptist Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.55%$2k-Money Market

Baptist Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.80%$500-1 Year CD with compounding
3.75%$500-2 Year CD with compounding
3.74%$500-1 Year CD w/o compounding
3.70%$500-6 Month CD with compounding
3.70%$500-3 Year CD with compounding
3.69%$500-2 Year CD w/o compounding
3.65%$500-4 Year CD with compounding
3.64%$500-6 Month CD w/o compounding
3.64%$500-3 Year CD w/o compounding
3.59%$500-4 Year CD w/o compounding
3.25%$500-5 Year CD with compounding
3.21%$500-5 Year CD w/o compounding

Baptist Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.06%$25-IRA Savings Account
Locations


Baptist Credit Union Locations
Branch Office5815 W Interstate 10San Antonio, TX 78201
Branch Office3333 Research PlzSan Antonio, TX 78235
Branch Office111 Dallas StSan Antonio, TX 78205
Branch Office521 N Ervay StDallas, TX 75201
Branch Office8811 Village DrSan Antonio, TX 78217

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