Baycel Federal Credit Union

Overview / Commentary
2320 6TH ST
Bay City, TX 77414

Baycel Federal Credit Union is headquartered in Bay City and is the 167th largest credit union in the state of Texas. It is also the 2,143rd largest credit union in the nation. It was established in 1963 and as of June of 2021, it had grown to 11 employees and 4,696 members at 2 locations. Baycel Federal Credit Union has an A 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


No reviews have been left for this bank yet. Be the first to review.

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

NCUA #15563
Year Chartered1963
Primary Regulator
Profit Margin
Return on Assets - YTD1.59%
Return on Equity - YTD8.57%
Annual Interest Income$970.00K
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$72.3MM$64.1MM
LoansQ2 2021vs Q2 2020$30.5MM$30.3MM
DepositsQ2 2021vs Q2 2020$58.9MM$51.8MM
Equity CapitalQ2 2021vs Q2 2020$13.2MM$12.1MM
Loan Loss AllowanceQ2 2021vs Q2 2020$78.00K$136.00K
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$180.00K$389.00K
Real Estate OwnedQ2 2021vs Q2 2020$0$0
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Baycel Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

Baycel Federal Credit Union Savings Account Rates

0.40%--Club Share Accounts
0.40%--IRA Savings
0.25%$25-Primary Share Account

Baycel Federal Credit Union Checking Account Rates

0.15%--Share Draft Account

Baycel Federal Credit Union CD Rates

0.80%$1k-2 Year CD
0.70%$1k-1 Year CD
0.60%$1k-6 Month CD

Baycel Federal Credit Union IRA Rates

0.70%$1k-1 Year IRA CD

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

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.