Financial services are becoming increasingly impersonal today, but credit unions like BHCU are shining beacons of personalized banking experiences for Ardmore residents. We have become a trusted credit union that caters to our local residents, offering a range of services with a focus on building lasting relationships with its members. 

The BHCU Advantage

BHCU sets itself apart from traditional banks by emphasizing the needs of our members. As a not-for-profit financial institution, we prioritize the community we serve. Here are a few key advantages of choosing BHCU:

Personalized Service: We pride ourselves on offering personalized attention to our members. Unlike larger banks, BHCU takes the time to understand individual financial situations, ensuring that members receive tailored solutions.

Competitive Rates: BHCU offers highly competitive interest rates on loans, making it an attractive choice for residents seeking financial assistance. Lower rates translate to more manageable monthly payments and potentially significant long-term savings.

Convenient Access: With multiple branches and a robust online banking platform, BHCU ensures that residents can access their accounts and loan services with ease. Whether you prefer face-to-face interactions or digital convenience, BHCU has you covered.

Community-Focused Approach: We reinvest profits into the community we serve, supporting local initiatives, and promoting financial education. By choosing BHCU, you become part of a larger effort to uplift the community.

Apply for a Loan with BHCU

If you are considering applying for a loan with us, here is a step-by-step guide to help you through the process:

Step 1: Membership Eligibility

Before applying for a loan, you must become a member of BHCU. Membership is open to residents who live, work, worship, or attend school within our local service areas. Eligibility requirements may vary, so it’s best to check the BHCU website or visit your local Ardmore branch for detailed information.

Step 2: Research Loan Options

BHCU offers a variety of loan options, including auto loans, personal loans, credit union credit cards, and more. Research these options to determine which one best suits your needs. BHCU’s loan experts are also available to guide you through the selection process.

Step 3: Gather the Necessary Documents

To streamline the loan application process, gather the necessary documents in advance. Requirements may include proof of identification, income verification, employment details, and any supporting documentation related to the loan you’re applying for. 

Step 4: Complete the Application

Once you have your documents ready, you can proceed with the loan application. we offer various avenues for the application process, including online applications, in-person visits to branches, or over the phone. Choose the method that suits you best. If this is your first time applying for a loan, in-person may be best so you can ask questions as you go.

Step 5: Review and Approval

After submitting your loan application, our loan officers will review it. They may reach out to request additional information or clarification if needed. Once your application is approved, we’ll work with you to finalize the loan terms and disburse the funds.

Step 6: Loan Repayment

Upon receiving the loan, it’s essential to adhere to the agreed-upon repayment schedule. BHCU offers flexible repayment options to suit your financial situation, making it easier to manage your loan payments effectively.

BHCU stands out as a credit union that prioritizes its members’ financial well-being and fosters a sense of community. Whether you’re in need of an auto loan, personal loan, or home equity loan, we offer competitive rates and personalized service to help you achieve your financial independence.