Baycel Federal Credit Union
LOCATIONS
2
View locations
HEALTH RATING
B+
View health report
CURRENT TOP RATE
0.75% APY
2 Year CD
View all rates
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 0.50% | 1-year CD | 1 Year CD 1.35% - Ally Bank High Yield 12-Month CD |
| 0.25% | Savings | Share Savings Account 1.05% - Ally Bank Online Savings Account |
| 0.75% | 2-year CD | 2 Year CD |
Overview / Commentary
Baycel Federal Credit Union is headquartered in Bay City and is the 171st largest credit union in the state of Texas. It is also the 2,191st largest credit union in the nation. It was established in 1963 and as of December of 2016, it had grown to 10 employees and 4,209 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
Health
B+
Data as of Q4 2016
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 | 10 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.11% |
| Return on Equity - YTD | 6.82% |
| Annual Interest Income | $1.8MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2016vs Q4 2015 | $56.6MM$51.6MM |
| Loans | Q4 2016vs Q4 2015 | $27.4MM$26.8MM |
| Deposits | Q4 2016vs Q4 2015 | $47.4MM$43.0MM |
| Equity Capital | Q4 2016vs Q4 2015 | $9.1MM$8.4MM |
| Loan Loss Allowance | Q4 2016vs Q4 2015 | $169.00K$98.00K |
| Unbacked Noncurrent Loans | Q4 2016vs Q4 2015 | $494.00K$351.00K |
| Real Estate Owned | Q4 2016vs Q4 2015 | $0$0 |
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Baycel Federal Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.40% | - | - | Club Share Savings | |
| 0.40% | - | - | Traditional IRA | |
| 0.40% | - | - | Roth IRA | |
| 0.40% | - | - | ESA Accounts | |
| 0.25% | $25 | - | Share Savings 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 |
|---|---|---|---|---|
| 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 |