Credit union · NCUA insured
Baptist Credit Union
Top CarrotA $55.4M credit union headquartered in San Antonio, TX, with 7,547 members and 5 branches in Texas. Best rates: CDs 4.00% and savings 1.75% APY.
Baptist Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 89% of U.S. banks and credit unions
#7 of 47 in San Antonio, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Baptist Credit Union
Baptist Credit Union was chartered in 1955 as Memorial Hospital Employees Federal Credit Union by employees of Baptist Memorial Hospital System of San Antonio, Texas, before renaming to Health Professions Federal Credit Union in 1982.
It became Baptist Federal Credit Union in 1989, merged with Dallas-based Baptist Employees Credit Union of Texas in 1995, and converted to a state charter as Baptist Credit Union in 1998.
- Headquarters
- 5815 W Interstate 10, San Antonio, TX 78201
- NCUA charter
- 68358
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Groups associated with Tarrant Baptist Association, North Texas Area Baptist Association, and Bluebonnet Baptist Association are included in the field of membership.
- Employees of any church or institution associated with the Baptist General Convention of Texas (BGCT) are eligible for membership.
- Individual members and member churches of Christian Financial Association of America are eligible for membership.
- Members of churches in the Dallas Baptist Association (DBA) are eligible for membership.
- Employees of the San Antonio Baptist Association (SABA) and employees or members of churches belonging to SABA are eligible for membership.
- Staff of the Southern Baptist of Texas Convention (SBTC), and pastors, staff, and members of SBTC churches are eligible for membership.
1 more way to join
Military, government and schools
- Affiliates of Wayland University (San Antonio), Baptist University of the Americas, or Dallas Baptist University are eligible for membership.
Branches
5 branches in Texas
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Texas
5 branches
San Antonio area · 4
- Main OfficeMain office5815 W Interstate 10, San Antonio, TX 78201Directions
- BMC Office111 Dallas St, San Antonio, TX 78205Directions
- Northeast Office8811 Village Dr, San Antonio, TX 78217Directions
- Southeast/Mission Trail Office3333 Research Plz, San Antonio, TX 78235Directions
Dallas area · 1
- Dallas Office521 N Ervay St, Dallas, TX 75201Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.72% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.15% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.28% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $82 | $59 | — |
- CapitalNet worth ratio8.72%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.15%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.28%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$82Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Baptist Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.