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Baycel Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.50%1-year CD1 Year CD
0.25%SavingsShare Savings Account
0.90%2-year CD2 Year CD

Overview / Commentary
979-244-3995
2320 6TH ST
Bay City, TX 77414-5240

Baycel Federal Credit Union is headquartered in Bay City and is the 177th largest credit union in the state of Texas. It is also the 2,255th largest credit union in the nation. It was established in 1963 and as of June of 2016, it had grown to 10 employees and 4,042 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+
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
Employees10
Primary Regulator
Profit Margin
Return on Assets - YTD1.38%
Return on Equity - YTD8.24%
Annual Interest Income$912.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$52.4MM$50.0MM
LoansQ2 2016vs Q2 2015$27.1MM$27.1MM
DepositsQ2 2016vs Q2 2015$43.5MM$41.7MM
Equity CapitalQ2 2016vs Q2 2015$8.8MM$8.2MM
Loan Loss AllowanceQ2 2016vs Q2 2015$108.00K$83.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$346.00K$222.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
Rates
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Baycel Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%--Club Share Savings
0.40%--Traditional IRA
0.25%$25-Share Savings Account

Baycel Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%--Share Draft Account

Baycel Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%$1k-2 Year CD
0.50%$1k-1 Year CD
0.30%$1k-6 Month CD

Baycel Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$500-1 Year IRA CD
Locations


Baycel Federal Credit Union Locations
Branch Office400 7th StBay City, TX 77414
Branch Office2320 6TH STBay City, TX 77414-5240