Baycel Federal Credit Union
LOCATIONS
2
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HEALTH RATING
B+
View health report
CURRENT TOP RATE
1.00% APY
2 Year CD
View all rates
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 0.90% | 1-year CD | 1 Year CD |
| 0.25% | Savings | Primary Share Account |
| 1.00% | 2-year CD | 2 Year CD 2.25% - Synchrony Bank 24 Month CD |
Overview / Commentary
Baycel Federal Credit Union is headquartered in Bay City and is the 169th largest credit union in the state of Texas. It is also the 2,148th largest credit union in the nation. It was established in 1963 and as of December of 2017, it had grown to 11 employees and 4,428 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 2017
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 | 11 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.16% |
| Return on Equity - YTD | 6.97% |
| Annual Interest Income | $1.8MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2017vs Q4 2016 | $58.9MM$56.6MM |
| Loans | Q4 2017vs Q4 2016 | $28.9MM$27.4MM |
| Deposits | Q4 2017vs Q4 2016 | $48.9MM$47.4MM |
| Equity Capital | Q4 2017vs Q4 2016 | $9.7MM$9.1MM |
| Loan Loss Allowance | Q4 2017vs Q4 2016 | $162.00K$169.00K |
| Unbacked Noncurrent Loans | Q4 2017vs Q4 2016 | $515.00K$494.00K |
| Real Estate Owned | Q4 2017vs Q4 2016 | $0$0 |
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Baycel Federal Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.40% | - | - | Club Share Accounts | |
| 0.40% | - | - | IRA Savings | |
| 0.25% | $25 | - | Primary Share 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 |
|---|---|---|---|---|
| 1.00% | $1k | - | 2 Year CD | |
| 0.90% | $1k | - | 1 Year CD | |
| 0.65% | $1k | - | 6 Month CD |
Baycel Federal Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.90% | $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 |