Baptist Hospital Credit Union Loans/VISA Page

Get Added Safety
When You Shop Online!

Loan Application Financial Calculators Loan Rates

Loan Process

Baptist Hospital Credit Union offers its members affordable rates and convenient terms. You'll experience a loan process made easier by our friendly, helpful loan officers. To apply for a loan just print a copy of the loan application and fax it to 284-4064, mail it in, or personally deliver it to the office. Our home banking service allows you to complete a loan application and email it to the office. Please include a copy of your most recent payroll check stub. A loan officer will analyze your application, obtain your credit history, and contact you with results.

Loan Approval

Our loan approvals are based on Board established policies and criteria for loans. Each loan analyzed is based on these policies. The credit union is a financial cooperative which invests the savings of our members by lending it to other members. When you need a loan, we can help you achieve your dreams and help improve your quality of life.

Loan Protection

When you borrow from your credit union you can take advantage of our low cost payment protection plan. This protects you, in the event of death or disability through an illness or accident, by signing up for the credit life and disability insurance.

Interest Calculation

Our loan interest is calculated using the simple interest method. You pay interest only on the outstanding principal. It is like borrowing on a day to day basis. If you pay your loan off before it is due, you save money on interest charges. There is no prepayment penalty.

Loan Payment

You may select your method of payment and the date of your payment which coincides with your pay schedule. The most convenient method is to arrange for the payments to be made by payroll deduction or direct deposit. You may elect to mail in your payments, sign up for preauthorized payments deducted from your checking account, use BART our Baptist Audio Response Teller or Home Banking to make a loan payment by transferring from a Baptist Hospital Credit Union account, or drop it by the office. An after hours drop off is available to you next to our office door.

Loan Types

Vehicle Loans
We offer new, used, and refinanced from other financial institutions. We will finance up to 100% of the purchase price or NADA retail value available for members who qualify. We subscribe to the New Car Cost Guide and NADA car books so you will have the vehicle prices you need to make informed purchases. You may get pre-approved by completing your loan application in advance. For your convenience in making purchases, we offer you Enterprise Car Sales and Gold Key for low pricing and hassle free buying for new and used vehicles.

Signature Loan / Line of Credit
Unsecured loans are available for whatever special needs you incur such as debt consolidation, medical bills, repairs, wedding, tuition, moving - etc. Approval amounts are based on your monthly gross income and ability to repay.

A line of credit has an approved limit for which you can make cash advances at the ATM, teller window or use the Baptist Audio Response Teller or Home Banking to transfer the funds into your Baptist Hospital Credit Union account. Use your line of credit loan as overdraft protection for your checking account.

- Unsecured / Secured
Our credit card has no annual fee, 25-day grace period and low interest on purchases and 200,000 accidental insurance. A secured card has a limit secured by an amount held in a savings account. If you currently have a higher interest rate card, you may transfer your balance to your Baptist Hospital Credit Union Visa^® Credit Card. See Rates Page for current interest rates.

To report lost or stolen Visa^® Credit Cards call 1-800-991-4964.

www.eZCardInfo.com

Pay Your Baptist Hospital Credit Union VISA Bill and Manage Your Account Online
eZCardInfo gives you 24-hour, 7-day-a-week access to information and services that make your credit card convenient and easy to manage.

Just click on the link to the right to view important account information including account balances, available credit, current and past statements, and transactions since your last statement. eZCardlnfo even allows you to make payments automatically via the Internet!

eZCardlnfo features include:
Account Summary Information
Online Statement
Data downloadable to financial software such as Quicken or Money
Online Credit Card Payments
Transaction and Spending Reports
E-mail notifications of conditions or events on your account

Personal Property
New appliances, furniture, electronic equipment, lawnmowers, etc., can be used to secure this loan at lower rates than in store financing.

Home Improvement
Use the money to add improvements to your existing residence - new roof, patio, deck, etc.

Savings Secured Loan
Borrow at reduced rates and secure your loan by using your savings or term certificates while still earning your dividends and interest.

Boat / Recreational / Motorcycle
New or used up to 100% of the purchase price or NADA retail for qualified borrowers.

Second Mortgage
Borrow up to 80% of appraised value less any 1st mortgage. Maximum $60,000.00.

Extended Auto Warranty

Extended Warranties are available for purchase on vehicles. This product picks up where your manufacturer's warranty stops. It has low deductibles, towing allowances and covers many costly repairs. Ask a loan officer for details.

GAP Insurance

Have you ever owed more on your vehicle than the insurance company paid? "Guaranteed Auto Protection" insurance covers the difference between your loan amount and the actual value of your vehicle in case it is totaled or stolen. Coverage is up to $100,000.

External Links Disclaimer

TOP

Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.