Credit union · NCUA insured
Bayou City Federal Credit Union Savings Rates
Bayou City Federal Credit Union’s best savings rate is 0.05% APY on $10,000, with its Share Accounts (Savings). Rates checked October 16, 2026.
How Bayou City Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Houston, TX, where Bayou City Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Bayou City Federal Credit Union
0.05%APY
- Earns on $10,000 a year
- $5
Share Accounts (Savings)
Top rate
Heritage Hub Federal Credit Union
5.13%APY
- Earns on $10,000 a year
- $513
2nd-highest rate
Nizari Credit Union
4.00%APY
- Earns on $10,000 a year
- $400
Bayou City Federal Credit Union savings score
62
Savings score
Higher than 6% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.05%
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 Bayou City 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.
Share Accounts (Savings)
0.05%APY
Basic savings account required for all members of the credit union. $25 minimum balance at all times. Dividends are paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000All accounts must remain open through the end of the dividend period to be paid accrued dividends. | 0.05% | — | All accounts must remain open through the end of the dividend period to be paid accrued dividends. |
| $1,001 – $2,500All accounts must remain open through the end of the dividend period to be paid accrued dividends. | 0.05% | — | All accounts must remain open through the end of the dividend period to be paid accrued dividends. |
| $2,501 – $5,000All accounts must remain open through the end of the dividend period to be paid accrued dividends. | 0.05% | — | All accounts must remain open through the end of the dividend period to be paid accrued dividends. |
| $5,001 – $10,000All accounts must remain open through the end of the dividend period to be paid accrued dividends. | 0.05% | $5 | All accounts must remain open through the end of the dividend period to be paid accrued dividends. |
| $10,001 – $25,000All accounts must remain open through the end of the dividend period to be paid accrued dividends. | 0.05% | — | All accounts must remain open through the end of the dividend period to be paid accrued dividends. |
| $25,000 and upAll accounts must remain open through the end of the dividend period to be paid accrued dividends. | 0.10% | — | All accounts must remain open through the end of the dividend period to be paid accrued dividends. |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Traditional IRA
0.05%APY
A long-term savings account. $25 minimum balance. Dividends are paid quarterly. Contributions may be tax deductible and taxes on dividends earned are deferred.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500All accounts must remain open through the end of the dividend period to be paid accrued dividends. | 0.05% | — | All accounts must remain open through the end of the dividend period to be paid accrued dividends. |
| $501 – $10,000All accounts must remain open through the end of the dividend period to be paid accrued dividends. | 0.05% | $5 | All accounts must remain open through the end of the dividend period to be paid accrued dividends. |
| $10,001 – $25,000All accounts must remain open through the end of the dividend period to be paid accrued dividends. | 0.05% | — | All accounts must remain open through the end of the dividend period to be paid accrued dividends. |
| $25,001 – $50,000All accounts must remain open through the end of the dividend period to be paid accrued dividends. | 0.15% | — | All accounts must remain open through the end of the dividend period to be paid accrued dividends. |
| $50,000 and upAll accounts must remain open through the end of the dividend period to be paid accrued dividends. | 0.20% | — | All accounts must remain open through the end of the dividend period to be paid accrued dividends. |
Sources (2)
All captured Sep 17, 2026
Holiday Account
0.05%APY
Dividends start at $25 and are paid quarterly. Unlimited withdrawals from October 1-January 31. $0 minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500All accounts must remain open through the end of the dividend period to be paid accrued dividends. | 0.05% | — | All accounts must remain open through the end of the dividend period to be paid accrued dividends. |
| $501 – $10,000All accounts must remain open through the end of the dividend period to be paid accrued dividends. | 0.05% | $5 | All accounts must remain open through the end of the dividend period to be paid accrued dividends. |
| $10,001 – $25,000All accounts must remain open through the end of the dividend period to be paid accrued dividends. | 0.05% | — | All accounts must remain open through the end of the dividend period to be paid accrued dividends. |
| $25,001 – $50,000All accounts must remain open through the end of the dividend period to be paid accrued dividends. | 0.10% | — | All accounts must remain open through the end of the dividend period to be paid accrued dividends. |
| $50,000 and upAll accounts must remain open through the end of the dividend period to be paid accrued dividends. | 0.10% | — | All accounts must remain open through the end of the dividend period to be paid accrued dividends. |
Sources (2)
All captured Sep 17, 2026
Minor Accounts
0.05%APY
A savings account designed for those under the age of 18 years.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500All accounts must remain open through the end of the dividend period to be paid accrued dividends. | 0.05% | — | All accounts must remain open through the end of the dividend period to be paid accrued dividends. |
| $501 – $10,000All accounts must remain open through the end of the dividend period to be paid accrued dividends. | 0.05% | $5 | All accounts must remain open through the end of the dividend period to be paid accrued dividends. |
| $10,001 – $25,000All accounts must remain open through the end of the dividend period to be paid accrued dividends. | 0.05% | — | All accounts must remain open through the end of the dividend period to be paid accrued dividends. |
| $25,001 – $50,000All accounts must remain open through the end of the dividend period to be paid accrued dividends. | 0.10% | — | All accounts must remain open through the end of the dividend period to be paid accrued dividends. |
| $50,000 and upAll accounts must remain open through the end of the dividend period to be paid accrued dividends. | 0.10% | — | All accounts must remain open through the end of the dividend period to be paid accrued dividends. |
Sources (2)
All captured Sep 17, 2026
Who can join Bayou City 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
- Persons who live, work, or attend school within the bounded area of: IH 45 S to S Loop 610 W, to S Main, north to IH 45 S.
Employers and groups
- Employees or volunteers of the Memorial Hermann Healthcare system or one of its subsidiaries.
Family and household
- Persons living in the same residence and who maintain a single economic unit, excluding residents of a fraternity, sorority, or nursing home.
- Immediate family of a member of Bayou City FCU, including Parent, Grandparent, Spouse, Sibling, Child, Grandchild, Adopted Children, Stepparents, Stepchildren, and Stepsiblings.
Membership information collected October 5, 2026.