Credit union · NCUA insured
Baycel Federal Credit Union
A $90.4M credit union headquartered in Bay City, TX, with 5,495 members and 3 branches in Texas. Best rates: CDs 3.49% and savings 0.25% APY.
Baycel Federal Credit Union Carrot Score
68
Carrot Score
Higher than 22% of U.S. banks and credit unions
#6 of 7 in Bay City, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Baycel Federal Credit Union
Founded in 1963 by Celanese plant employees seeking low-cost credit and higher savings earnings, Baycel Federal Credit Union is a member-owned, federally chartered financial institution.
Headquartered in Bay City, Texas, the credit union serves individuals who live, work, attend school, or worship in Matagorda County.
- Headquarters
- 2320 6th St, Bay City, TX 77414-5240
- NCUA charter
- 15563
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, attend school, or worship in Matagorda County are eligible for membership.
Family and household
- Immediate family members (mother, father, brother, sister, children) of members are eligible to join.
Branches
3 branches in Texas
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Texas
3 branches
- Main OfficeMain office2320 6th St, Bay City, TX 77414Directions
- BCHS Branch400 7th St, Bay City, TX 77414Directions
- VVHS Branch8980 State Hwy 35 N, Van Vleck, TX 77482Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 21.79% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.01% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 2.58% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $50 | $59 | — |
- CapitalNet worth ratio21.79%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.01%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets2.58%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$50Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Baycel Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.