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iAdvertiser Disclosure
Advertiser Disclosure
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 Bayou City Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 5, 2026
Bayou City Federal Credit Union's 6 month CD rates are at 2.86%, 60 month CD rates are at 2.84%, 48 month CD rates are at 2.79%, 36 month CD rates are at 2.75%, 60 month CD rates are at 2.74%. Bayou City Federal Credit Union's Personal Loan Rates are at 7.90%. MonitorBankRates evaluates the financial stability of Bayou City Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.40%. Rates were last updated on 04/05/2026. Bayou City Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bayou City Federal Credit Union? Share your experience about Bayou City Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Bayou City Federal Credit Union. Bayou City Federal Credit Union
MAIN OFFICE 6414 FANNIN ST STE G50
https://www.bcfcu.com HOUSTON, TX 77030 1500 
Bayou City Federal Credit Union CD Rates
Bayou City Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Bayou City Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Bayou City Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Bayou City Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Bayou City Federal Credit Union
Website
https://www.bcfcu.com
Address
6414 FANNIN ST STE G50,
HOUSTON, TX 77030 1500
Phone
713-704-4943
Fax
713-704-0524
President
ROBERT NYGAARD
CEO
RITANA LAYNE SANTAFIELD
Full-Time Employees
8
Part-Time Employees
0
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.40%
Return on Assets (ROA)
0.1502%
Return on Equity (ROE)
1.5345%
Non-Performing Loans Ratio (NPL)
0.92%
Total Assets
23,983,462
Total Amount of Shares and Deposits
21,462,003
Total Shares and Deposits < 1 Year
21,132,666
Total Shares and Deposits 1 3 Years
193,573
Total Shares and Deposits > 3 Years
135,764
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
660,040
Total Uninsured Shares and Deposits > $250K (F+J)
660,040
Total Insured Shares and Deposits > $250K (item 17 less item K)
20,801,963
Total Interest Expense (Sum of items 6 8)
52,205
Share Certificates
76
Number of Accounts for Share Drafts
1,277
IRA KEOGH Accounts
38
Number of Accounts for Regular Shares
2,875
Money Market Shares
25
Net Income (unless the amount is already included in Undivided Earnings)
35,165
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,139,288
Total Liabilities
21,635,707
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Bayou City Federal Credit UnionIs Bayou City Federal Credit Union a safe place to deposit money?Yes, Bayou City Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 3.3999714620989%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Bayou City Federal Credit Union operate?Bayou City Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Bayou City Federal Credit Union?Yes, to access services at Bayou City Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Bayou City Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Bayou City Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Bayou City Federal Credit Union offer online and mobile banking?Most modern institutions like Bayou City Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bcfcu.com. Current Bayou City Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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