|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Baycel 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 18, 2026
Baycel Federal Credit Union's 1 Year CD rates are at 3.49%, 2 Year CD rates are at 3.49%, 6 month CD rates are at 2.52%, IRA CD 1 Year rates are at 0.70%, IRA Share Accounts 1 Year CD rates are at 0.40%. MonitorBankRates evaluates the financial stability of Baycel Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.86%. Rates were last updated on 04/18/2026. Baycel 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 Baycel Federal Credit Union? Share your experience about Baycel Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Baycel Federal Credit Union. 
Baycel Federal Credit Union CD Rates
Baycel Federal Credit Union Savings Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Baycel 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 Baycel 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 Baycel Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Baycel Federal Credit Union
Website
https://www.baycel.org
Address
2320 6TH ST,
Bay City, TX 77414 5240
Phone
979-244-3995
Fax
979-244-8207
President
Kristi Moss
CEO
Paula Abshier
Full-Time Employees
12
Part-Time Employees
2
Branch Locations
4
ATM Locations
2
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
1.86%
Return on Assets (ROA)
1.7820%
Return on Equity (ROE)
8.1531%
Non-Performing Loans Ratio (NPL)
0.97%
Total Assets
85,155,501
Total Amount of Shares and Deposits
66,352,292
Total Shares and Deposits < 1 Year
64,626,201
Total Shares and Deposits 1 3 Years
1,726,092
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,104,665
Total Uninsured Shares and Deposits > $250K (F+J)
1,104,665
Total Insured Shares and Deposits > $250K (item 17 less item K)
65,247,627
Total Interest Expense (Sum of items 6 8)
344,528
Share Certificates
246
Number of Accounts for Share Drafts
3,812
IRA KEOGH Accounts
39
Number of Accounts for Regular Shares
6,317
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
6,200,750
Total Liabilities
66,562,199
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Baycel Federal Credit UnionIs Baycel Federal Credit Union a safe place to deposit money?Yes, Baycel Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 1.8564657796797%, 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 Baycel Federal Credit Union operate?Baycel 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 Baycel Federal Credit Union?Yes, to access services at Baycel 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, Baycel 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, Baycel Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Baycel Federal Credit Union offer online and mobile banking?Most modern institutions like Baycel 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.baycel.org. Current Baycel Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Spencerport Federal Credit Union
United Churches Credit Union
Georgia Guard Credit Union
Natural Resources Conservation Service Federal Credit Union
Affiliated Trades Credit Union
Pathfinder Federal Credit Union
Redlands City Employees Federal Credit Union
Wakota Federal Credit Union
First Unity Federal Credit Union
Ewa Federal Credit Union
Galveston Government Employees Credit Union
Central Credit Union of Maryland
Texoma Community Credit Union
Logan Cache Rich Federal Credit Union
Greater Wayne Community Federal Credit Union
KELLOGG MIDWEST
SAG AFTRA Federal Credit Union
Ziegler Federal Credit Union
Pathways Financial Credit Union
Rochester Area State Employees Federal Credit Union
First New York Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
