Bayou City Federal Credit Union

Overview / Commentary

www.bcfcu.com

713-704-7163

6414 FANNIN ST STE G50
HOUSTON, TX 77030-1500

Bayou City Federal Credit Union is headquartered in HOUSTON and is the 243^rd largest credit union in the state of Texas. It is also the 3,122^nd largest credit union in the nation. It was established in 1980 and as of March of 2019, it had grown to 8 employees and 3,054 members at 2 locations. Bayou City Federal Credit Union's CD rates are 12% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership is open to employees, volunteers or retirees of Memorial Hermann Healthcare System or one of it's subsidiaries. Also open to those who live, work, worship or attend school in a selected geographical area in Houston, Texas.
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Health

C+

Data as of Q1 2019

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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. Bayou City Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	23582
Year Chartered	1980
Employees	8
Primary Regulator

Profit Margin
Return on Assets - YTD	0.14%
Return on Equity - YTD	1.84%
Annual Interest Income	$242.00K

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$24.8MM$26.3MM
Loans	Q1 2019vs Q1 2018	$9.0MM$8.8MM
Deposits	Q1 2019vs Q1 2018	$22.7MM$24.2MM
Equity Capital	Q1 2019vs Q1 2018	$2.0MM$1.9MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$117.00K$115.00K
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$70.00K$57.00K
Real Estate Owned	Q1 2019vs Q1 2018	$0$0

Rates

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Savings
Checking
CD

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

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Bayou City Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$50k^*	-	Super Share Account
OTHER TIERS: 0.05% → $500 - $25k \| 0.10% → $25k - $50k
0.20%^*	$50k^*	-	Traditional IRA Savings
OTHER TIERS: 0.05% → $25 - $25k \| 0.15% → $25k - $50k
0.10%^*	$25k^*	-	Holiday Shares
OTHER TIERS: 0.05% → $25 - $25k
0.10%^*	$25k^*	-	Minor's Shares
OTHER TIERS: 0.05% → $25 - $25k
0.10%^*	$25k^*	-	Share Account
OTHER TIERS: 0.05% → $25 - $25k

Bayou City Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	$1k	-	5 Star Share Draft
0.05%	-	-	Share Draft

Bayou City Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.83%	$100k	-	60 Month Platinum CD
1.73%	$50k	$100k	60 Month Jumbo CD
1.73%	$100k	-	48 Month Platinum CD
1.63%	$25k	$50k	60 Month Super CD
1.63%	$50k	$100k	48 Month Jumbo CD
1.63%	$100k	-	36 Month Platinum CD
1.53%	$1k	$25k	60 Month CD
1.53%	$25k	$50k	48 Month Super CD
1.53%	$50k	$100k	36 Month Jumbo CD
1.42%	$1k	$25k	48 Month CD
1.42%	$25k	$50k	36 Month Super CD
1.42%	$50k	$100k	24 Month Jumbo CD
1.32%	$1k	$25k	36 Month CD
1.32%	$25k	$50k	24 Month Super CD
1.22%	$1k	$25k	24 Month CD
1.22%	$50k	$100k	18 Month Jumbo CD
1.12%	$25k	$50k	18 Month Super CD
1.02%	$1k	$25k	18 Month CD
1.01%	$50k	$100k	12 Month Jumbo CD
0.91%	$25k	$50k	12 Month Super CD
0.84%	$25k	$50k	6 Month Super CD
0.81%^*	$1k^*	-	1 Year Payroll CD
OTHER TIERS: 0.56% → $100 - $1k
0.81%	$1k	$25k	12 Month CD
0.74%	$50k	$100k	6 Month Jumbo CD
0.64%	$1k	$25k	6 Month CD

Locations

Bayou City Federal Credit Union Locations
Branch Office	6411 FANNIN ST # G-674N	HOUSTON, TX 77030-1501
Branch Office	6414 FANNIN ST STE G50	HOUSTON, TX 77030-1500

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