Looking to buy a car, home or RV? Need a line of credit for those “unexpected” moments? Benton County Schools Credit union is the place for you! We have great rates, a friendly, professional loan staff, and fast turn around time.

Benton County Schools Credit Union is the place to be for your vehicle purchases or refinances!

We can help you figure out how to get the best deal before you start shopping. We offer new and used car pricing guides free to our membership! Take the hassle out of your next car purchase; stop by Benton County Schools Credit Union before you start shopping!

Ask us about our Meet or Beat Policy!

Trustage Insurance Agency. Car insurance through your credit union? At a great rate? And switching is easy? Yes, yes and yes. Get a quote.


The Benton County Schools Credit Union Classic VISA account features a low annual percentage rate with NO ANNUAL FEE, and is honored at millions of places that accept Visa credit cards.

We use industry leading fraud detection technology to monitor your accounts to protect against unauthorized use.

With your BCSCU Visa account you also earn points for every dollar in purchases. Our awards program, BCS POINTS PLUS, allows you to redeem your points for a wide variety of travel and gift certificate awards. Click the button at left for more information on the available awards or to access your BCS POINTS PLUS information.

To obtain a copy of the BCSCU Visa credit card agreement, please call or email us.

Benton County Schools Credit Union offers Closed-end Home Equity Loans and Home Equity Lines of Credit (HELOC).

Using the equity in your home is a great way to finance home improvements, education expenses, or even vacations. In many cases the interest paid is tax deductible (consult a tax advisor to be sure).

General Policy Information:

Loan Value: 85% of Real Market Value from most recent Property Tax Statement. OR
90% of Independent Appraised Value by a credit union approved appraiser

Documents required from member to begin processing:

ApplicationMost recent Property Tax Statement
W2’s or current pay stubs (last 2yrs tax returns if self Employed)
First Mortgage Balance Statement (if applicable)
Homeowners Insurance Policy

You must pay certain fees to third parties to open a Home Equity or HELOC plan. These fees generally total between $0.00 and $1,000.00. If you ask, we will provide you with an itemization of the fees you will have to pay third parties. There are no transaction fees to use the HELOC account, annual fees to keep it open, or any other fee associated with the use of this account. BCSCU does not charge loan origination or application fees.

Benton County Schools Credit Union is here to help you finance your home. Whether it is your first mortgage or a refinance we are a mortgage lender our members trust!

We offer both fixed rate and adjustable rate purchase and refinance mortgage loans.
We don’t charge points and we don’t require private mortgage insurance (PMI).
What you can expect from us is a quick turn-around time with LOW closing costs. Additionally, because the servicing stays with us you’ll experience the same personable staff you’re used to!

For terms and conditions and an application packet please contact our loan department.
We can be reached at 541-754-7765 or toll free 800-807-7893.

Benton County Schools Credit Union offers a wide variety of personal lending products to fit your needs. Choose from fixed rate signature loans or our popular Personal Line of Credit (PLOC).

Signature Loans
Choose terms from one to three years to get the payment that works best for you.

Personal Line of Credit (PLOC)
With a pre-set limit that is accessible anytime you need it, this is convenience at its best. You can stop by the office for an advance, request PLOC checks or a PLOC Credit Card, both of which access the credit line directly. Or move funds into your account from your PLOC through our online home banking product, BCSCU APELTeller.

Share Secured Loans

The share secured loan acts a savings vehicle. By pledging your shares you can borrow against your own funds and make payments back to yourself at the same time. It is limited to the regular share only, not Money Market accounts. Why not speak with one of our loan officers for more information.

Getting a college degree is a worthwhile goal. But the cost of college education can be overwhelming for both students and parents. If you or another family member plans on attending a college, university, technical college, or any specialized training program Benton County Schools Credit Union can help you with the funding you need to pursue your dreams.

Our In-House Student Loan Product:

  • Annual Percentage Rate Discount 0.10% from Federal Stafford Rate
  • $3,000 annual per year with semi-annual proof of enrollment required
  • Maximum total amount of $12,000 for a four year student
  • Students maintaining a 3.0 GPA or higher will receive a 0.15% reduction in their interest rate. Should the GPA go below 3.0 the rate discount will be removed.

See our terms and conditions on the left hand side.

Benton County Schools Credit Union finances new and used recreational vehicles and boats!

We offer great fixed and variable interest rates, and our meet or beat policy also applies to RV financing (not boats). Our friendly loan staff is waiting to help you make that recreation purchase you have been thinking about a reality!

We also offer great fixed and variable rates on new and used motorcycles and scooters. We finance 90% MSRP on new motorcycles, and 80% of low Kelley Blue Book value on used motorcycles. If you are ready to take a walk (or ride) on the wild side, we are ready to loan you the money to do it!

Ask us about our Meet or Beat policy!

Your savings federally insured to $250,000 and backed by
the full faith and credit of the United Sates Government
National Credit Union Adminstration, a U.S. Government Agency