Baycel Federal Credit Union


Overview / Commentary
979-244-3995
2320 6TH ST
Bay City, TX 77414

Baycel Federal Credit Union is headquartered in Bay City and is the 161st largest credit union in the state of Texas. It is also the 2,010th largest credit union in the nation. It was established in 1963 and as of December of 2024, it had grown to 12 employees and 5,429 members at 4 locations. Baycel Federal Credit Union's CD rates are 4X the national average, and it has a B+ 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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Health
B+
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 Chartered1963
Employees12
Primary Regulator
Profit Margin
Return on Assets - YTD1.91%
Return on Equity - YTD9.07%
Annual Interest Income$3.4MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$81MM$83.2MM
LoansQ4 2024vs Q4 2023$35.8MM$34.5MM
DepositsQ4 2024vs Q4 2023$63.7MM$67.4MM
Equity CapitalQ4 2024vs Q4 2023$17.1MM$15.5MM
Loan Loss AllowanceQ4 2024vs Q4 2023$152K$136K
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$423K$243K
Real Estate OwnedQ4 2024vs Q4 2023$0$0
Rates
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Baycel Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$0-Club Share Accounts
0.25%$25-Primary Share Account

Baycel Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$0-Share Draft Account

Baycel Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.49%$1k-1 Year CD
3.49%$1k-2 Year CD
2.52%$1k-6 Month CD

Baycel Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%$1k-1 Year IRA CD
0.40%$500-IRA Savings
Locations


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
Branch Office3700 Avenue FBay City, TX 77414-7606

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