Baylor Health Care System Credit Union

What Baylor Health Care System Credit Union does

Baylor Health Care System Credit Union (BHCSCU) is a not-for-profit, member-owned credit union chartered in Texas and founded on July 11, 1957, by 11 health care professionals who deposited a combined $572.75 to help each other with loans and savings. The credit union operates today with over 5,400 members, $82 million in assets, and a single headquarters branch at 4005 Crutcher Street, Suite 130 in Dallas, serving the employees and family members of Baylor Scott & White Health under an NCUA-defined field of membership. It provides a full suite of retail banking products including regular share and Christmas Club savings, share-draft checking with debit cards, IRAs (Traditional, ROTH, Educational), auto loans, mortgages, home equity and home improvement loans, signature loans, share-secured loans, lines of credit, and Mastercard credit cards in Classic, Gold, and Secured variants, supplemented by partner-delivered student loans (Sallie Mae), insurance (TruStage), brokerage (CUNA Brokerage Services), and mortgages (Member First Mortgage, LLC).

The credit union's technology stack is built on a Fiserv-powered core banking platform delivered through online banking and a mobile app branded "BaylorCU" on iOS and Android, with integrated digital services including Zelle for person-to-person payments, SavvyMoney for free daily credit-score monitoring, a Card Control app for real-time fraud alerts and card on/off management, and GrooveCar for auto-shopping and financing. Member access combines the Dallas lobby and drive-thru, an eleven-ATM network physically embedded inside Baylor Scott & White medical facilities across Dallas, Plano, Irving, Rowlett, and Waxahachie, and 55,000+ surcharge-free ATMs globally via the Allpoint network. Revenue is generated through net interest income on loans and investments, fee income (ATM surcharges, wire transfers, stop payments, $35 Skip-A-Pay fee), and referral commissions from partner relationships; as a cooperative, surplus is returned to members through higher savings dividend rates (0.05-0.50% APY), lower loan APRs, and reduced fees. The credit union is regulated by the Texas Credit Union Department and federally insured by NCUA, with current leadership under President/CEO Delana Huling (appointed 2024) and a member-elected volunteer Board of Directors.

Name

Baylor Health Care System Credit Union

Legal name

Baylor Health Care System Credit Union

Website

https://bhcscu.com

Company type

Private

Founded year

1957

Operating status

Operating

Headcount range

11–50 employees

Short description

Baylor Health Care System Credit Union is a not-for-profit, member-owned credit union founded in 1957 serving Baylor Scott & White Health employees and families in Texas, with over 5,400 members and $82 million in assets.

Ownership category

akta.pro rank

Product category

Credit Union Retail Banking

NAICS

Credit Unions (52213)

SIC

Savings Institution, Federally Chartered (6035), Personal Credit Institutions (6141)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industry

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Credit union services
• Retail banking products
• Consumer lending
• Mortgage lending
• Member financial services

Headquarters

HQ city

Dallas

HQ country

United States

HQ region

North America

Offices11 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Interest Income: Primary revenue from interest earned on loans including auto loans, mortgages, credit cards, personal loans, and home equity loans
2. Fee Income: Various fee-based services including ATM fees (when using non-network ATMs), wire transfers, stop payments, and other ancillary banking services
3. Insurance Referral Revenue: Referral fees from insurance products offered through TruStage Insurance Agency partnership
4. Student Loan Referral: Referral compensation from Sallie Mae for student loan products referred to members
5. Brokerage Services Referral: Revenue from CUNA Brokerage Services partnership for investment products referred to members

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

Baylor Health Care System Credit Union is a not-for-profit, member-owned financial cooperative that provides retail banking products and consumer lending services to Baylor Scott & White Health employees and their families. Its core offering includes share savings and checking accounts, IRAs, auto loans, mortgages, home equity loans, personal loans, and MasterCard credit cards, supported by online banking, a mobile app, Zelle payments, and an Allpoint ATM network. Supplemental revenue is generated through referral partnerships for student loans, brokerage, and insurance products.

Product overview

Baylor Health Care System Credit Union is a full-service financial institution offering a comprehensive suite of banking products and services to its members. The credit union provides core deposit products including savings accounts, checking accounts with debit cards, IRAs, and Christmas Club accounts. Lending products span auto loans, credit cards (Classic, Gold, and Classic Secured), mortgage loans through partnership with Member First Mortgage, home equity and home improvement loans, personal loans (signature, line of credit, and share-secured), and student loans via Sallie Mae partnership. Digital banking services include online banking with bill pay, a mobile app (BaylorCU), and a Card Control app for fraud protection. Additional offerings encompass Zelle person-to-person payments, ATM network access through Allpoint (55,000+ locations), brokerage services through CUNA, insurance products via TruStage, and free credit score monitoring through SavvyMoney. The credit union also offers promotional products like Wellness Loans and Skip-A-Pay programs.

Differentiator

Problem solved

Functional benefit

Products and services

• Savings Accounts Primary and secondary savings accounts representing membership ownership in the credit union. Primary savings requires a $25 minimum deposit to join; secondary savings are used to set aside funds for special projects, vacations, taxes, or unplanned expenses. Earnings paid at 0.30% APY with $100 minimum balance required to earn dividends.
• Checking Accounts Fee-free Share Drafts checking account with 24/7 access, MasterCard debit card, bill payment service, e-statements, mobile app access, e-alerts, and unlimited check writing. Includes free access at 55,000+ ATMs nationwide. Requires $20 minimum opening deposit and 0.05% APY on balances of $1,000 or more.
• IRAs Individual Retirement Accounts including Traditional, ROTH, and Educational options. Insured by NCUA up to $250,000 and earns 0.50% APY with a $25 minimum opening deposit.
• Christmas Club Account Seasonal savings account for holiday expenses with funds accessible starting November 1st. Requires $25 minimum opening deposit and earns 0.20% APY.
• Auto Loans New and used vehicle loans with terms up to 72 months, competitive rates starting as low as 5.00% APR for terms under 48 months, and over 100% financing available. Includes Borrower Warranty Protection, GAP options, refinancing for existing loans, and relationship-based loyalty discounts. Available for new, used, and refinanced vehicles up to 7 years old.
• Credit Cards MasterCard credit cards offered in Classic, Gold, and Classic Secured (credit-building) variants with a 3.90% introductory APR for the first six months and 12.90% APR thereafter. Includes uChoose Rewards points redeemable for cash back, travel, and merchandise.
• Mortgage Loans Full range of mortgage products offered through the Member First Mortgage partnership including conventional, fixed and adjustable-rate mortgages (up to 30 years), refinancing, jumbo loans, construction loans, low down payment options, and cash-out refinance.
• Home Equity and Home Improvement Loans Home equity loans starting at $30,000 with 5-, 10-, and 15-year terms at rates starting at 7.25% APR. Available on primary residences and vacation homes, including single family homes, condos, and townhomes. Home improvement loans range from 60 to 180 months at 7.25-9.25% APR.
• Personal Loans Signature loans up to 36 months with no collateral required at rates starting as low as 11.49% APR, lines of credit with fixed terms up to 24 months, and share-secured loans using savings as collateral at 3.50-4.50% APR.
• Student Loans Student loan products offered through a Sallie Mae partnership including undergraduate, graduate, MBA, medical, dental, law school, and parent loans. Features competitive variable and fixed rates with no origination fees or prepayment penalties.
• Wellness Loan Promotional personal loan up to $1,500 at 13.49% APR with terms up to 12 months. Designed for self-care, family expenses, personal goals, or seasonal costs. Example biweekly payment is $67.39 for a $1,500 loan.
• Online Banking and Bill Pay Secure online banking portal for viewing account balances, paying bills, making loan payments, transferring funds between accounts, monitoring activity for fraud prevention, and setting up alerts. Includes access to Zelle for person-to-person payments and SavvyMoney for free credit reports.
• Mobile Banking App Mobile banking app available on Apple Store and Google Play, branded as BaylorCU. Provides 24/7 access to view balances, pay bills, deposit checks, and manage accounts.
• Card Control App Card management and fraud protection app providing instant access to real-time alerts, geo-tracking, card on/off toggle, spending limits by general use or merchant type, and transaction monitoring for debit and credit cards.
• Debit Cards MasterCard debit card for ATM access and purchasing convenience with 55,000+ fee-free ATMs nationwide via the Allpoint network.
• ATM Network Access Access to the Allpoint surcharge-free ATM network providing 55,000+ ATMs in all 50 states, Mexico, Puerto Rico, UK, Canada, and Australia at locations including Target, Speedway, Walgreens, CVS, Kroger, Safeway, Costco, and 7-Eleven.
• Brokerage Services Investment services through CUNA Brokerage Services offering online brokerage with tools to research stocks, watch markets, get real-time quotes, and place trades. CUNA Brokerage Services, Inc. is a member of NASD/SIPC.
• Insurance Products Insurance offerings through TruStage Insurance Agency including auto, accidental death and dismemberment (AD&D), health, mortgage/home, and life insurance. Members receive guaranteed $3,000 AD&D coverage paid by the credit union.
• Zelle Person-to-Person Payments Person-to-person payment service integrated into online banking and mobile app for sending and receiving money directly between bank accounts. Enrolled through the bill pay system using email or U.S. mobile number. Transactions typically complete in minutes with no fees charged by the credit union.
• Credit Score by SavvyMoney Free credit score service integrated into online and mobile banking. Includes daily credit monitoring with alerts, credit bureau error identification, and personalized financial tips to help members improve their credit scores.
• Skip-A-Pay Payment deferment option allowing eligible members to skip one qualifying loan payment for a $35 fee. Available for vehicle, recreational, share secured, and signature loans. Members must be current on their loan to qualify.
• Direct Deposit Electronic deposit of paychecks or Social Security checks directly into accounts for convenient, secure access on payday.

Quantifiable outcome

• Over 5,400 members served with $82 million in assets since 1957
• +3 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

Feature5 records

Partnerships

Nine partnerships are on record, tiered core.

• Member First Mortgage, LLCcoreStrategic or Co-development PartnerMortgage lending partnership providing home loans including conventional, fixed and adjustable-rate mortgages, construction loans, jumbo loans, and cash-out refinance options. Jeff Prince, NMLS #287901, serves as dedicated Mortgage Loan Officer for members. BHCSCU Company NMLS ID #793198.
• CUNA Brokerage ServicescoreGTM or Marketing PartnerInvestment and brokerage services partnership providing members with complete online brokerage services through Credit Union National Associations Brokerage Services. Members can research stocks, watch markets, get real-time quotes, and place trades.
• TruStage Insurance AgencycoreGTM or Marketing PartnerInsurance products partnership offering auto, accidental death and dismemberment (AD&D), health, mortgage/home, and life insurance products. Includes complimentary $3,000 basic AD&D coverage paid for by the credit union.
• Sallie MaecoreGTM or Marketing PartnerStudent loan partnership offering competitive rates for undergraduate, graduate, MBA, medical, dental, law, and parent loans. No origination fees or prepayment penalties with multiple repayment options.
• Zelle (Early Warning Services)coreTechnology or IntegrationPerson-to-person payment integration allowing members to send and receive money directly from their account to enrolled recipients in minutes through online and mobile banking.
• AllpointcoreTechnology or IntegrationSurcharge-free ATM network partnership providing access to 55,000+ ATMs across all 50 states, Mexico, Puerto Rico, United Kingdom, Canada, and Australia at locations including Target, Walgreens, CVS, Costco, and 7-Eleven.
• FiservcoreTechnology or IntegrationCore banking platform provider powering online and mobile banking services, bill pay, account management, and integration with Zelle and other payment services.
• CONNETICS USA (AMN Healthcare)coreStrategic or Co-development PartnerStrategic partnership with Baylor Scott & White Health and CONNETICS USA to support onboarding and financial wellness of over 500 internationally educated nurses. Provides specialized banking products and financial education for internationally recruited healthcare workers.
• SavvyMoneycoreTechnology or IntegrationCredit score and monitoring service integrated into online and mobile banking providing free credit scores, daily monitoring with alerts, and personalized tips. Helps members improve credit scores.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Healthcare Associates Federal Credit Union: Healthcare-affiliated federal credit union serving employees of partner healthcare organizations with deposit, lending, and digital banking products. Closest comparable to BHCSCU's employer-group, member-owned credit union model.
• Suncoast Credit Union: Large credit union originally founded for healthcare and education employees, now operating with a broader community charter. Demonstrates the scaling trajectory available to a healthcare-rooted credit union.
• BECU (Boeing Employees Credit Union): Originally chartered for Boeing employees, BECU is the archetype of an employer-affiliated credit union that has grown into a large community-chartered institution, illustrating the long-run scale trajectory of the BHCSCU model.
• Alliant Credit Union: Originally an employer-affiliated credit union that converted to a community charter, offering a digital-first banking experience with fee-free ATM access and competitive loan rates that compete for the same healthcare-worker member persona.
• Local Government Federal Credit Union (LGFCU): Employer-group credit union serving public sector employees with the same member-owned, field-of-membership-restricted model. Demonstrates how niche charter credit unions operate at BHCSCU's scale.
• First Technology Federal Credit Union (First Tech): Employer-group credit union serving technology and healthcare-adjacent companies with a digital-first product set, Zelle, card controls, and referral partnerships analogous to BHCSCU's TruStage/Sallie Mae/CUNA stack.

Regional players

• Neighborhood Credit Union: Dallas-Fort Worth community credit union with overlapping deposit, lending, and digital banking products. Direct geographic competitor for BSW-Health-adjacent healthcare workers and their families.
• Texas Trust Credit Union: Texas-based community credit union offering similar full-service deposit and loan products, including a healthcare-focused partnership program. Comparable in geographic market and product breadth though serving a broader community charter.

Broad incumbents

• Randolph-Brooks Federal Credit Union (RBFCU): One of the largest credit unions in Texas, originally serving military and now a community-chartered institution offering the same deposit, lending, and digital product set as BHCSCU at materially greater scale.

Emerging players

• Connexus Credit Union: Digital-forward credit union with employer-group eligibility and a high-yield deposit product set that competes for healthcare-worker deposits nationally, including in the Dallas market where BHCSCU operates.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/BHCSCU
• LinkedInlinkedin.com/company/bhcscu
• Instagraminstagram.com/bhcscu

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Baylor Health Care System Credit Union