Baycel Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.50%	1-year CD	1 Year CD 0.61% - National Average
0.25%	Savings	Primary Share Account 1.35% - CIT Bank Premier High Yield Savings
0.75%	2-year CD	2 Year CD 1.75% - Synchrony Bank 24 Month CD

View all Baycel Federal Credit Union rates »

Overview / Commentary

www.baycel.org

979-244-3995

2320 6TH ST
Bay City, TX 77414-5240

Baycel Federal Credit Union is headquartered in Bay City and is the 170^th largest credit union in the state of Texas. It is also the 2,198^th largest credit union in the nation. It was established in 1963 and as of June of 2017, it had grown to 10 employees and 4,316 members at 2 locations. Baycel Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Memebership is open to those who live, work, worship attend school in Matagorda County.
See current membership details

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Health

B+

Data as of Q2 2017

Learn why bank health matters

Additional 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	10
Primary Regulator

Profit Margin
Return on Assets - YTD	1.38%
Return on Equity - YTD	8.37%
Annual Interest Income	$918.00K

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$57.1MM$52.4MM
Loans	Q2 2017vs Q2 2016	$28.6MM$27.1MM
Deposits	Q2 2017vs Q2 2016	$47.5MM$43.5MM
Equity Capital	Q2 2017vs Q2 2016	$9.5MM$8.8MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$178.00K$108.00K
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$509.00K$346.00K
Real Estate Owned	Q2 2017vs Q2 2016	$0$0

Rates

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Savings
Checking
CD
IRA

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Baycel Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
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
0.75%	$1k	-	2 Year CD
0.50%	$1k	-	1 Year CD
0.30%	$1k	-	6 Month CD

Baycel Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	$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