Credit union · NCUA insured
Baycel Federal Credit Union Savings Rates
Baycel Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Primary Share Account. Rates checked October 16, 2026.
How Baycel Federal Credit Union’s savings 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
0.25%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $25
Primary Share Account
Top rate
First National Bank Texas
2.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $200
2nd-highest rate
TDECU
1.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $100
Baycel Federal Credit Union savings score
71
Savings score
Higher than 29% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Primary Share Account
0.25%APY
Dividends compounded and credited quarterly based on average daily balance. Par value of one share is $25.00, required for credit union membership. Limited to no more than six transfers and withdrawals per month by preauthorized, automatic, internet, telephonic, check, draft, or debit card.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest paid quarterly. Minimum balance required to keep account open.Any balance | 0.25% | $25 | Interest paid quarterly. Minimum balance required to keep account open. |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Club Share Accounts
0.40%APY
Dividends compounded and credited quarterly based on average daily balance. Maximum of two withdrawals or transfers per year; exceeding limitation causes account closure and forfeiture of all dividends. All funds disburse to Primary Share account on or after October 31 each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest paid quarterly. Must maintain minimum required share(s) in Primary Share account.Any balance | 0.40% | $40 | Interest paid quarterly. Must maintain minimum required share(s) in Primary Share account. |
Sources (2)
All captured Sep 17, 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.