Baycel Federal Credit Union

Overview / Commentary
2320 6TH ST
Bay City, TX 77414

Baycel Federal Credit Union is headquartered in Bay City and is the 159th largest credit union in the state of Texas. It is also the 1,993rd largest credit union in the nation. It was established in 1963 and as of December of 2023, it had grown to 10 employees and 5,200 members at 3 locations. Baycel Federal Credit Union's CD rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Baycel Federal Credit Union is open to those who work, attend school, worship or live in Matagorda County. Immediate family and household members are also eligible for membership.
See current membership details


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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

NCUA #15563
Year Chartered1963
Primary Regulator
Profit Margin
Return on Assets - YTD1.43%
Return on Equity - YTD7.59%
Annual Interest Income$2.5MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$83.2MM$81MM
LoansQ4 2023vs Q4 2022$34.5MM$30.8MM
DepositsQ4 2023vs Q4 2022$67.4MM$66.3MM
Equity CapitalQ4 2023vs Q4 2022$15.5MM$14.4MM
Loan Loss AllowanceQ4 2023vs Q4 2022$136K$113K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$243K$405K
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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Baycel Federal Credit Union Savings Account Rates

0.40%--Club Share Accounts
0.25%$25-Primary Share Account

Baycel Federal Credit Union Checking Account Rates

0.15%--Share Draft Account

Baycel Federal Credit Union CD Rates

3.96%$1k-2 Year CD
3.80%$1k-1 Year CD
2.52%$1k-6 Month CD

Baycel Federal Credit Union IRA Rates

0.70%$1k-1 Year IRA CD
0.40%$500-1 Year IRA Share Certificate

Baycel Federal Credit Union Locations
Branch Office400 7th StBay City, TX 77414
Branch Office2320 6TH STBay City, TX 77414-5240
Branch Office8980 STATE HIGHWAY 35 NVan Vleck, TX 77482

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