Baycel Federal Credit Union
LOCATIONS
2
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HEALTH RATING
A
View health report
CURRENT TOP RATE
1.00% APY
2 Year CD
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Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 0.90% | 1-year CD | 1 Year CD |
| 0.25% | Savings | Primary Share Account |
| 1.00% | 2-year CD | 2 Year CD |
Overview / Commentary
Baycel Federal Credit Union is headquartered in Bay City and is the 168th largest credit union in the state of Texas. It is also the 2,153rd largest credit union in the nation. It was established in 1963 and as of March of 2018, it had grown to 11 employees and 4,480 members at 2 locations. Baycel Federal Credit Union has an A health rating.
Field of Membership Restrictions
Memebership is open to those who live, work, worship attend school in Matagorda County.
See current membership details
Health
A
Data as of Q1 2018
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Baycel Federal Credit Union has a relatively low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 15563 |
| Year Chartered | 1963 |
| Employees | 11 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.48% |
| Return on Equity - YTD | 8.83% |
| Annual Interest Income | $479.00K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2018vs Q1 2017 | $60.1MM$57.5MM |
| Loans | Q1 2018vs Q1 2017 | $28.9MM$27.6MM |
| Deposits | Q1 2018vs Q1 2017 | $49.9MM$48.1MM |
| Equity Capital | Q1 2018vs Q1 2017 | $10.0MM$9.3MM |
| Loan Loss Allowance | Q1 2018vs Q1 2017 | $180.00K$163.00K |
| Unbacked Noncurrent Loans | Q1 2018vs Q1 2017 | $348.00K$512.00K |
| Real Estate Owned | Q1 2018vs Q1 2017 | $0$0 |
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Baycel Federal Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.40% | - | - | Club Share Accounts | |
| 0.40% | - | - | IRA Savings | |
| 0.25% | $25 | - | Primary Share Account |
Baycel Federal Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.15% | - | - | Share Draft Account |
Baycel Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.00% | $1k | - | 2 Year CD | |
| 0.90% | $1k | - | 1 Year CD | |
| 0.65% | $1k | - | 6 Month CD |
Baycel Federal Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.90% | $500 | - | 1 Year IRA CD |
Locations
| Baycel Federal Credit Union Locations | ||
|---|---|---|
| Branch Office | 400 7th St | Bay City, TX 77414 |
| Branch Office | 2320 6TH ST | Bay City, TX 77414-5240 |