Credit union · NCUA insured
Baycel Federal Credit Union CD Rates
Baycel Federal Credit Union’s best CD rate is 3.49% APY on a 1-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How Baycel Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Bay City, TX, where Baycel Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Baycel Federal Credit Union
3.49%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $349
Share Certificate
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Matagorda County Credit Union
4.00%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $400
Baycel Federal Credit Union CD score
70
CD score
Higher than 25% of U.S. banks and credit unions
- 3–8 months3–8 mo2.52%
- 9–15 months9–15 mo3.49%
- 16–30 months16–30 mo3.49%
- QualifiedQualified3.49%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Baycel Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 3.49%APY · 3 terms
Rates are subject to change monthly by the Board of Directors. Primary Share account required for credit union membership.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.52% | $125 |
| 12 months | 3.49% | $349 |
| 24 months | 3.49% | $711 |
Sources (1)
- baycel.org/ps-drates.html · captured Oct 16, 2026
Special-purpose accounts
IRA Certificate
0.70%APY · 1 term
Rates subject to change monthly by the Board of Directors.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 0.70% | $70 |
Sources (1)
- baycel.org/ps-drates.html · captured Oct 16, 2026
IRA Share Accounts
0.40%APY · 1 term
Rates are subject to change per Board of Directors monthly. $500.00 minimum required to open an IRA share account. Traditional, ROTH & Coverdell Educational Savings Accounts offered. Primary Share account required for credit union membership.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months1 Year Certificate under IRA Share Accounts | 0.40% | $40 |
Sources (1)
- baycel.org/ps-drates.html · captured Oct 16, 2026
Who can join Baycel Federal Credit Union
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.
Membership information collected October 5, 2026.