Baycel Federal Credit Union is headquartered in Bay City and is the 168th largest credit union in the state of Texas. It is also the 2,152nd largest credit union in the nation. It was established in 1963 and as of September of 2019, it had grown to 12 employees and 4,560 members at 2 locations. Baycel Federal Credit Union 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
Data as of Q3 2019
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 15563 |
| Year Chartered | 1963 |
| Employees | 12 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.82% |
| Return on Equity - YTD | 9.57% |
| Annual Interest Income | $1.6MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2019vs Q3 2018 | $59.8MM$60.6MM |
| Loans | Q3 2019vs Q3 2018 | $30.4MM$29.0MM |
| Deposits | Q3 2019vs Q3 2018 | $48.1MM$49.9MM |
| Equity Capital | Q3 2019vs Q3 2018 | $11.5MM$10.5MM |
| Loan Loss Allowance | Q3 2019vs Q3 2018 | $141.00K$139.00K |
| Unbacked Noncurrent Loans | Q3 2019vs Q3 2018 | $453.00K$464.00K |
| Real Estate Owned | Q3 2019vs Q3 2018 | $0$0 |
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
| 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% | $1k | - | 1 Year IRA CD |
| Baycel Federal Credit Union Locations | ||
|---|---|---|
| Branch Office | 400 7th St | Bay City, TX 77414 |
| Branch Office | 2320 6TH ST | Bay City, TX 77414-5240 |