Baptist Credit Union
Baptist Credit Union is a member-owned, NCUA-insured credit union founded in 1935, headquartered in San Antonio, Texas. It serves Baptist-affiliated individuals and churches in Texas through five branches, offering consumer loans, mortgages, credit cards, and church lending products.
- Company typePrivate
- Founded1935
- HeadquartersSan Antonio, United States
- Headcount251–500
- GTM typeB2C
- OfferingServices
What Baptist Credit Union does
Baptist Credit Union is a member-owned, non-profit financial cooperative founded in 1935 and headquartered in San Antonio, Texas. It provides retail banking and lending products to individuals affiliated with the Baptist community in Texas, as well as specialized church and business loans to Baptist churches and religious institutions. The institution operates five physical branches (four in San Antonio, including one inside Baptist Medical Center, and one in Dallas) supplemented by online and mobile banking platforms with mobile check deposit functionality.
The core product portfolio spans consumer lending (new and used auto loans starting at 4.24% APR, boat loans at 7.00% APR), mortgages, a MasterCard credit card at 10.90% APR, church and business loans, and insurance products distributed through a TruStage partnership. Deposits are NCUA-insured, and access is extended through the CO-OP shared ATM and credit union network. Technology infrastructure is largely standard and outsourced: website hosting by Vault Solutions and Services, card servicing via ezcardinfo.com, and e-Statements through bitstatement.org.
The credit union's business model is the standard cooperative financial institution model: net interest income from loan portfolio against member deposits, fee income from credit cards and account services, and referral income from insurance and ancillary products. Customer acquisition is primarily through physical branch presence in Texas, community outreach via Baptist churches, and member referral. Revenue is not publicly disclosed, and the institution has no parent company, no subsidiaries, and no external investors. Nick Holguin serves as CEO and an unnamed Vice President of Member Services is the only other disclosed member of senior leadership.
Baptist Credit Union firmographics
Firmographics- Name
- Baptist Credit Union
- Legal name
- Baptist Credit Union
- Website
- https://baptistcu.org
- Company type
- Private
- Founded year
- 1935
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Baptist Credit Union is a member-owned, NCUA-insured credit union founded in 1935, headquartered in San Antonio, Texas. It serves Baptist-affiliated individuals and churches in Texas through five branches, offering consumer loans, mortgages, credit cards, and church lending products.
- Ownership category
- akta.pro rank
Baptist Credit Union industry classification
Industry- Product category
- Retail Banking
- NAICS
- Credit Unions (52213), Credit Unions (522130)
- SIC
- Savings Institution, Federally Chartered (6035)
- akta.pro primary industry
- Faith-Based & Affinity Credit Unions (FSABAEAH)
- akta.pro secondary industries
- Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops) (FSABAEAL), Credit Cards & Revolving Credit (FSABAAAC), Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)
Keywords
Where Baptist Credit Union is headquartered
LocationHeadquarters
- HQ city
- San Antonio
- HQ country
- United States
- HQ region
- North America
Offices5 records
Markets served
Baptist Credit Union business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | New Auto Loans as low as 4.24% APR |
| Other | Monthly | Boat Loans as low as 7.00% APR |
| Other | Monthly | Used Auto Loan rates available |
| Other | Monthly | MasterCard Credit Card as low as 10.90% APR |
Distribution channels3 records
Marketing channels4 records
Baptist Credit Union product offering
Product offeringCore offering
Baptist Credit Union is a member-owned, non-profit financial cooperative that provides personal banking, consumer loans (auto and boat loans), mortgages, MasterCard credit cards, and insurance products to individual members. It also offers specialized church and business loans to Baptist churches and religious institutions in Texas, positioning itself as a ministry partner in financial services. Members access services through five physical branches in San Antonio and Dallas, an online banking platform, a mobile banking app with mobile check deposits, and the CO-OP shared ATM network.
Product overview
Baptist Credit Union is a single-institution financial services provider offering a unified portfolio of traditional banking products. The core offerings include online and mobile banking platforms, consumer lending (auto loans with rates from 4.24% APR, boat loans from 7.00% APR), mortgages, credit cards (MasterCard from 10.90% APR), and insurance products. The credit union also serves as a ministry partner providing specialized church and business loans to Baptist institutions in Texas. The product suite is accessible through multiple delivery channels including branches in San Antonio and Dallas, ATMs, online banking, and mobile check deposit functionality.
Differentiator
Problem solved
Functional benefit
Products and services
- Online Banking Digital banking platform enabling members to access accounts, transfer funds, pay bills, and manage finances remotely through web channels.
- Mobile Check Deposits Remote deposit capture feature allowing members to deposit checks using a smartphone camera via the mobile banking app.
- Auto Loans Financing for vehicle purchases including new and used automobiles, with rates as low as 4.24% APR for qualified borrowers.
- Mortgages Home financing products enabling members to purchase or refinance residential properties, positioned as making home ownership affordable.
- Credit Cards MasterCard credit card products offering rates as low as 10.90% APR for qualifying members.
- Church/Business Loans Specialized lending services for Baptist churches and institutions in Texas, providing ministry partnership in financial services.
- Insurance Products Insurance offerings including auto, home, and other insurance products to protect members' financial assets.
- Boat Loans Recreational watercraft financing for members with rates as low as 7.00% APR.
- Member Services Comprehensive member support services including account management, e-Statements, and debit card services.
Companies that use Baptist Credit Union
Customer profileSegments2 records
Ideal customer profiles2 records
Baptist Credit Union technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Baptist Credit Union partnerships and signals
Strategic signalRecent moves6 records
Expansion highlights4 records
Baptist Credit Union competitors and assessment
Company assessmentDirect peers
- Christian Community Credit Union: Faith-based credit union serving the broader Christian community with similar deposit, lending, and church/ministry financing products. Directly comparable niche affinity model and product suite to Baptist CU.
- Catholic Federal Credit Union: Faith-based credit union serving Catholic parishioners and institutions with comparable member-owned banking, mortgages, auto loans, and religious-institution lending. Closely mirrors Baptist CU's affinity-driven model.
Broad incumbents
- Randolph-Brooks Federal Credit Union (RBFCU): One of the largest credit unions in Texas with a broad consumer and business banking suite operating in San Antonio and surrounding markets. Comparable on product set but vastly larger in scale and geographic reach.
- Security Service Federal Credit Union (SSFCU): Large Texas-headquartered credit union offering consumer loans, mortgages, credit cards, and insurance across San Antonio and broader Texas. Comparable core product suite at much larger scale.
- Credit Human: Texas-based credit union providing consumer lending, mortgages, and credit cards to members across multiple Texas metros. Comparable offerings and overlapping geography in San Antonio.
- University Federal Credit Union (UFCU): Texas credit union serving a defined affinity membership with consumer banking, mortgages, and credit cards. Comparable member-owned model and product mix, but serves a different affinity (university community).
- Pentagon Federal Credit Union (PenFed): Large affinity-based credit union offering consumer loans, mortgages, and credit cards nationwide. Comparable affinity-driven membership model but with a military tie and broader geographic reach.
Regional players
- Frost Bank: Major Texas-based commercial and consumer bank with deep San Antonio and Dallas presence offering comparable deposit, mortgage, and consumer lending products. Overlaps with Baptist CU's footprint as a for-profit regional competitor.
- Broadway Bank: San Antonio-headquartered community bank providing consumer and commercial banking including loans, mortgages, and deposit services. Directly competes in Baptist CU's home San Antonio market.
Others
- CO-OP Financial Services: Shared-branching and ATM network operator that Baptist Credit Union participates in for expanded cash access. Ecosystem enabler rather than direct competitor.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks5 records
Key highlights6 records
Customer concentration
Baptist Credit Union social profiles
Digital presenceBaptist Credit Union compliance and trust
Trust signalCompliance1 record
Baptist Credit Union financial estimates
Financial estimateRevenue estimate
Valuation estimate
Baptist Credit Union leadership team
Management profileNumber of profiles
Profiles1 record
Baptist Credit Union funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Baptist Credit Union M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Baptist Credit Union
What does Baptist Credit Union do?
Baptist Credit Union is a member-owned, non-profit financial cooperative that provides personal banking, consumer loans (auto and boat loans), mortgages, MasterCard credit cards, and insurance products to individual members. It also offers specialized church and business loans to Baptist churches and religious institutions in Texas, positioning itself as a ministry partner in financial services. Members access services through five physical branches in San Antonio and Dallas, an online banking platform, a mobile banking app with mobile check deposits, and the CO-OP shared ATM network.
Is Baptist Credit Union a public or private company?
Baptist Credit Union is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Baptist Credit Union founded?
Baptist Credit Union was founded in 1935. It employs 251 to 500 people.
Where is Baptist Credit Union based?
Baptist Credit Union is headquartered in San Antonio, United States, in the North America region.
Who are Baptist Credit Union's main competitors?
Direct peers on record are Christian Community Credit Union and Catholic Federal Credit Union. Broad incumbents are Randolph-Brooks Federal Credit Union (RBFCU), Security Service Federal Credit Union (SSFCU), Credit Human, University Federal Credit Union (UFCU) and Pentagon Federal Credit Union (PenFed). Regional players are Frost Bank and Broadway Bank. CO-OP Financial Services is listed as an others.
Does Baptist Credit Union have an API?
No public API is recorded for Baptist Credit Union.
What industry is Baptist Credit Union in?
Baptist Credit Union's product category is Retail Banking. Its primary akta.pro industry code is FSABAEAH, Faith-Based & Affinity Credit Unions, with a secondary code of FSABAEAL, Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops). Its NAICS code is 52213 and its SIC code is 6035.