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 Chocolate Bayou Community Federal Credit Union Rates & Review November 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 and Verified: October 29, 2026
Chocolate Bayou Community Federal Credit Union's savings rates are at 0.10%. Chocolate Bayou Community Federal Credit Union's money market rates are at 0.08%. Chocolate Bayou Community Federal Credit Union's Personal Loan Rates are as low as 9.93%. Chocolate Bayou Community Federal Credit Union's Credit Card Rates are at 9.18%. Chocolate Bayou Community Federal Credit Union's savings rates are 93% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Chocolate Bayou Community Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.94%. Rates last updated and verified on 10/29/2026. Chocolate Bayou Community 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 Chocolate Bayou Community Federal Credit Union? Share your experience about Chocolate Bayou Community Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Chocolate Bayou Community Federal Credit Union. Chocolate Bayou Community Federal Credit Union
Alvin 1301 Highway 35 Byp N
https://www.chocolatebayou.org Alvin, TX 77511-2681  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Chocolate Bayou Community Federal Credit Union Savings Rates
Chocolate Bayou Community Federal Credit Union Money Market Rates
Chocolate Bayou Community Federal Credit Union Auto Loan Rates
Chocolate Bayou Community Federal Credit Union Credit Card Rates
Chocolate Bayou Community Federal Credit Union Personal Loan Rates
Chocolate Bayou Community Federal Credit Union Other Rates
Financial Health HistoryChocolate Bayou Community Federal Credit Union’s Texas Ratio rose from 0.47% in Q3 2023 to 2.94% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Chocolate Bayou Community 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 Chocolate Bayou Community 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 Chocolate Bayou Community Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Chocolate Bayou Community Federal Credit Union
Website
https://www.chocolatebayou.org
Address
1301 Highway 35 Byp N,
Alvin, TX 77511-2681
Phone
281-331-2253
Fax
281-331-4918
President
Tommy King
CEO
Gary Angeles
Full-Time Employees
45
Part-Time Employees
2
Branch Locations
4
ATM Locations
4
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.94%
Return on Assets (ROA)
0.4124%
Return on Equity (ROE)
3.2035%
Non-Performing Loans Ratio (NPL)
0.77%
Total Assets
158,083,780
Total Amount of Shares and Deposits
136,692,721
Total Shares and Deposits < 1 Year
135,248,820
Total Shares and Deposits 1 3 Years
1,259,376
Total Shares and Deposits > 3 Years
184,525
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
8,485,937
Total Uninsured Shares and Deposits > $250K (F+J)
8,485,937
Total Insured Shares and Deposits > $250K (item 17 less item K)
128,206,784
Total Interest Expense (Sum of items 6 8)
265,085
Share Certificates
403
Number of Accounts for Share Drafts
7,048
IRA KEOGH Accounts
252
Number of Accounts for Regular Shares
13,613
Money Market Shares
150
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
11,194,188
Total Liabilities
137,864,955
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for Chocolate Bayou Community Federal Credit Union
Frequently Asked Questions About Chocolate Bayou Community Federal Credit UnionWhat is the highest savings rate at Chocolate Bayou Community Federal Credit Union?The highest Chocolate Bayou Community Federal Credit Union savings rate is its IRA Savings at 0.10% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Chocolate Bayou Community Federal Credit Union?The highest Chocolate Bayou Community Federal Credit Union money market rate is its Money Market (EMMA) at 0.08% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at Chocolate Bayou Community Federal Credit Union?The lowest Chocolate Bayou Community Federal Credit Union auto loan rate is its Auto Loans at 4.17% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Chocolate Bayou Community Federal Credit Union?The lowest Chocolate Bayou Community Federal Credit Union personal loan rate is its Personal Loans at 9.93% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Chocolate Bayou Community Federal Credit Union?The lowest Chocolate Bayou Community Federal Credit Union credit card APR is its Credit Cards at 9.18% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Chocolate Bayou Community Federal Credit Union operate?Chocolate Bayou Community 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 Chocolate Bayou Community Federal Credit Union?Yes, to access services at Chocolate Bayou Community 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, Chocolate Bayou Community 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, Chocolate Bayou Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Chocolate Bayou Community Federal Credit Union offer online and mobile banking?Most modern institutions like Chocolate Bayou Community 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.chocolatebayou.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Chocolate Bayou Community Federal Credit Union rates compare?Chocolate Bayou Community Federal Credit Union's savings rates are 93% lower than the MonitorBankRates national average, and it has an A+ health rating. Chocolate Bayou Community Federal Credit Union's top rates are its IRA Savings at 0.10% APY, its Money Market (EMMA) at 0.08% APY, its Personal Loans at 9.93% APR and its Credit Cards at 9.18% APR, verified by MonitorBankRates on October 29, 2026. Current Chocolate Bayou Community Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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