--- title: "BCM Credit Union Rates (Nov 2026): Auto 4.70%, Personal 2.85%" description: "BCM Credit Union rates today: auto loans from 4.70% APR, personal loans from 2.85% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join BCM Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/bcm" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # BCM Credit Union Rates (Nov 2026): Auto 4.70%, Personal 2.85% ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Used Auto Loan** auto_used | 4.700% APR | 4.700% | used | Standard | | **Classic Auto Loan** auto | 9.450% APR | 9.450% | — | Standard | BCM Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Shared Secured** personal_secured | 2.850% APR | 2.850% | — | Standard | BCM Credit Union personal loan rates as of November 12, 2026 Auto loans available from 4.7% APR. Personal loan rates from 2.85% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/bcm) , verified from [BCM Credit Union's official website](https://www.bcmfcu.com/) Best product position **Better than the Texas median** used-car loan Gap to state best **6 bp** 6 bp from state best Vs. state median **79 bp better than median** used-car loan Products ranked **2** across tracked Texas markets | Product | Published APR | Position | Vs. state best | Vs. state median | | used-car loan | 4.70% | Better than the Texas median | 6 bp from state best | 79 bp better than median | | personal loan | 2.85% | Better than the Texas median | 85 bp from state best | 714 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim BCM Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=bcm&state=texas&code=TX&name=BCM%20Credit%20Union) Loading branch locator… ## About BCM Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 4.7K Assets $42.3M Founded 1959 Locations reported 3 NCUA charter 12892 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Financial counseling - Financial education - First-time homebuyer program Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**University** UT Health · Houston · TX · 77030 About 0.1 miles away](https://rateapi.dev/credit-unions/texas/university) [**Primeway** TMH · Houston · TX · 77030-2739 About 0.4 miles away](https://rateapi.dev/credit-unions/texas/primeway) [**Bayou City** MAIN OFFICE · HOUSTON · TX · 77030-1500 About 0.6 miles away](https://rateapi.dev/credit-unions/texas/bayou-city) [**Energy One** Greenway Plaza · Houston · TX · 77046-0521 About 2.6 miles away](https://rateapi.dev/credit-unions/oklahoma/energy-one) [**Houston** Greenway Plaza · Houston · TX · 77046-0003 About 2.6 miles away](https://rateapi.dev/credit-unions/texas/houston) [**Smart Financial** Lamar · Houston · TX · 77098-1003 About 2.9 miles away](https://rateapi.dev/credit-unions/texas/smart-financial) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join BCM Credit Union Membership eligibility from BCM Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on BCM Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [BCM Credit Union's membership page](https://www.bcmfcu.com/) . Final membership determination is always made by the credit union. ## Work at BCM Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where BCM Credit Union ranks against Texas peers. - See which AI assistants fetched BCM Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=bcm&state=texas&code=TX&name=BCM%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does BCM Credit Union offer? BCM Credit Union currently offers Auto loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are BCM Credit Union rates updated? RateAPI verifies BCM Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get BCM Credit Union's rate data? Rate data is collected directly from BCM Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are BCM Credit Union's auto loan rates? As of November 12, 2026, BCM Credit Union offers auto loans from 4.7% APR. ### What is BCM Credit Union's personal loan rate? As of November 12, 2026, BCM Credit Union offers personal loans from 2.85% APR. ### Who can join BCM Credit Union? BCM Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare BCM Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.bcmfcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track BCM Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for BCM Credit Union curl "https://api.rateapi.dev/credit-unions/texas /bcm " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## BCM Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/texas/bcm Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp