2320 6th St
Bay City, TX 77414
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 0.66% →
1-Year CD 0.90% 0.67% →
2-Year CD 1.00% 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Baycel is an NCUA insured institution located in Bay City, TX. It was founded in 1963 and has approximately $66.89 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 15563
Date Established 1963
Assets $66.89 million
Loans $30.87 million
Deposits $53.93 million
Capital $12.65 million

Field of Membership Restrictions

Memebership is open to those who live, work, worship attend school in Matagorda County.

Deposit Rates - April 10, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.25% $2,500 $4,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.65% $10,000 $14,999 Learn More
6 Mo CD
0.65% $100,000 $199,999 Learn More
12 Mo CD
0.90% $10,000 $14,999 Learn More
12 Mo CD
0.90% $100,000 $199,999 Learn More
24 Mo CD
1.00% $10,000 $14,999 Learn More
24 Mo CD
1.00% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $2,500 $3,499 Learn MoreShow Less

Loan Rates - April 10, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for BAYCEL

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info

Note to BAYCEL
To upload and update your bank's rates please register. It is free to register and add rates.



Below are Baycel branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Baycel Locations

Financial Details

Baycel Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Baycel. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Baycel U.S. Average
2.95% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, Baycel had $372,016 in non-current loans and $5,334 in owned assets. To cover these potential losses it had $12,649,532 in net worth and $147,097 in loans loss reserves. That gives it a Texas Ratio of 2.95%.

Net Worth
Baycel U.S. Average
18.9% 12.67%

Baycel FCU has a net worth of 18.9% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Baycel

Branches and Savings

What is Baycel?

A federal credit union, registered with the NCUA under certificate #15563.
Learn more about credit unions here.

Is Baycel FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Baycel is insured by the NCUA.

Who can join Baycel?

Please see Field of Membership information above for information on who is eligible to join.

What are Baycel's share account and share certificate rates?

Baycel's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Baycel?

Baycel has total capital of $12.65 million. Full information on Baycel's financial position is located above.

Who owns Baycel?

Credit Unions are owned by their members.

Where are Baycel branches located?

See branch locations nearby.

Are Baycel ATMs Open 24/7?

Do Baycel ATMs accept cash deposits?

Can Baycel customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Baycel have a mobile app?

Does Baycel have mobile deposit?

Does Baycel have quick pay?

How can Baycel transfer money to other banks or credit unions?

Does Baycel report to credit bureaus?

Does Baycel use Chexsystems?

Does Baycel use Equifax?

What is Baycel's toll free phone number?

What is Baycel's ACH Routing Number?

What is Baycel's SWIFT code?

Where can I find Baycel's wire transfer form?

What is the Baycel address for deposits?

What Products Does Baycel Offer

Does Baycel offer mortgages?

Compare mortgage rates here.

Does Baycel offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Baycel offer auto and RV loans?

Compare auto loan rates here.

Does Baycel offer student loans or personal loans?

Compare personal loan rates here.

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