Baycel Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.baycel.org

979-244-3995

2320 6TH ST
Bay City, TX 77414

Baycel Federal Credit Union is headquartered in Bay City and is the 159^th largest credit union in the state of Texas. It is also the 1,979^th largest credit union in the nation. It was established in 1963 and as of March of 2025, it had grown to 12 employees and 5,452 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+

Data as of Q1 2025

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	12
Primary Regulator

Profit Margin
Return on Assets - YTD	2.03%
Return on Equity - YTD	9.6%
Annual Interest Income	$916K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$84.7MM$84.3MM
Loans	Q1 2025vs Q1 2024	$35.7MM$36.1MM
Deposits	Q1 2025vs Q1 2024	$66.9MM$68.2MM
Equity Capital	Q1 2025vs Q1 2024	$17.5MM$15.9MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$202K$200K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$379K$351K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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

Baycel Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	$0	-	Share Draft Account

Baycel Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.49%	$1k	-	1 Year CD
3.49%	$1k	-	2 Year CD
2.52%	$1k	-	6 Month CD

Baycel Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.70%	$1k	-	1 Year IRA CD
0.40%	$500	-	IRA Savings

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
Branch Office	8980 STATE HIGHWAY 35 N	Van Vleck, TX 77482
Branch Office	3700 Avenue F	Bay City, TX 77414-7606

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