What are the current interest rates at Bayou City Federal Credit Union?

Current rates for Bayou City Federal Credit Union include: 12-Month CD: 1.66%, 18-Month CD: 1.63%, 24-Month CD: 1.59%, 60-Month CD: 0.05%

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Bayou City Federal Credit Union

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Bayou City Federal Credit Union Rates & Review September 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 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 as low as 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 3.12%. Rates last updated and verified on 09/21/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.12%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Bayou City Federal Credit Union
MAIN OFFICE

6414 FANNIN ST STE G50
HOUSTON, TX 77030-1500

https://www.bcfcu.com

Bayou City Federal Credit Union CD Rates

Product	Rate	APY	Term
6 month CD	2.83%	2.86%	6 months
Details Jumbo Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
60 month CD	2.81%	2.84%	60 months
Details Platinum Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
48 month CD	2.76%	2.79%	48 months
Details Platinum Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
36 month CD	2.72%	2.75%	36 months
Details Platinum Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
60 month CD	2.71%	2.74%	60 months
Details Jumbo Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
48 month CD	2.66%	2.69%	48 months
Details Jumbo Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
12 month CD	2.64%	2.67%	12 months
Details Jumbo Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
36 month CD	2.62%	2.65%	36 months
Details Jumbo Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
24 month CD	2.58%	2.60%	24 months
Details Jumbo Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
6 month CD	2.33%	2.35%	6 months
Details Super Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
60 month CD	2.21%	2.24%	60 months
Details Super Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
48 month CD	2.16%	2.18%	48 months
Details Super Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
12 month CD	2.14%	2.16%	12 months
Details Super Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
18 month CD	2.14%	2.16%	18 months
Details Super Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
36 month CD	2.12%	2.14%	36 months
Details Super Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
18 month CD	2.11%	2.13%	18 months
Details Jumbo Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
24 month CD	2.08%	2.09%	24 months
Details Super Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
6 month CD	1.83%	1.85%	6 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
60 month CD	1.71%	1.73%	60 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
48 month CD	1.66%	1.68%	48 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
12 month CD	1.64%	1.66%	12 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
36 month CD	1.62%	1.64%	36 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
18 month CD	1.61%	1.63%	18 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
24 month CD	1.58%	1.59%	24 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
platinum CD, , 36 - 60 month)	-	0.10%	60 months
Min Deposit $25,001 Min Balance $25,001 Details $100,000+; Balance: $25,001 to $50,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
platinum CD, , 36 - 60 month)	-	0.10%	60 months
Min Deposit $50,000 Min Balance $50,000 Details $100,000+; Balance: $50,000 plus Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
platinum CD, , 36 - 60 month)	-	0.10%	60 months
Min Balance $25,001 Details $100,000+; Balance: $25,001 - $50,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
platinum CD, , 36 - 60 month)	-	0.10%	60 months
Min Balance $25,000 Details $100,000+; Balance: $25,000 plus Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
platinum CD, , 36 - 60 month)	-	0.05%	60 months
Min Deposit $25 Min Balance $25 Details $100,000+; Balance: $25 to $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
platinum CD, , 36 - 60 month)	-	0.05%	60 months
Min Deposit $501 Min Balance $501 Details $100,000+; Balance: $501 to $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
platinum CD, , 36 - 60 month)	-	0.05%	60 months
Min Deposit $10,001 Min Balance $10,001 Details $100,000+; Balance: $10,001 to $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
platinum CD, , 36 - 60 month)	-	0.05%	60 months
Min Balance $501 Details $100,000+; Balance: $501 - $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
platinum CD, , 36 - 60 month)	-	0.05%	60 months
Min Balance $10,001 Details $100,000+; Balance: $10,001 - $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
platinum CD, , 36 - 60 month)	-	0.05%	60 months
Min Balance $25 Details $100,000+; Balance: $25 to $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
platinum CD, , 36 - 60 month)	-	0.05%	60 months
Min Balance $1,001 Details $100,000+; Balance: $1,001 to $2,500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
platinum CD, , 36 - 60 month)	-	0.05%	60 months
Min Balance $2,501 Details $100,000+; Balance: $2,501 to $5,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
platinum CD, , 36 - 60 month)	-	0.05%	60 months
Min Balance $5,001 Details $100,000+; Balance: $5,001 to $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
platinum CD, , 36 - 60 month)	-	0.05%	60 months
Min Balance $10,001 Details $100,000+; Balance: $10,001 to $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
platinum CD, , 36 - 60 month)	-	0.05%	60 months
Min Balance $500 Details $100,000+; Balance: $500 to $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%

Bayou City Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New/Used Car Loans	-	-	5.15%
Details As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
New/Used Cars, Trucks & Motorcycles Loan	-	-	5.25%	36 Months
Details Published APR range: 5.25% to 16.50%. Financed: 50% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
New/Used Cars, Trucks & Motorcycles Loan	-	-	5.25%	48 Months
Details Published APR range: 5.25% to 17.00%. Financed: 50% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
New/Used Cars, Trucks & Motorcycles Loan	-	-	5.25%	60 Months
Details Published APR range: 5.25% to 17.00%. Financed: 50% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
New/Used Cars, Trucks & Motorcycles Loan	-	-	5.25%	72 Months
Details Term: 72 Months (over $20,000); Published APR range: 5.25% to 17.00%. Financed: 50% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
New/Used Cars, Trucks & Motorcycles Loan	-	-	5.50%	72 Months
Details Term: 72 Months (over $20,000); Published APR range: 5.50% to 17.50%. Financed: 70% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
New/Used Cars, Trucks & Motorcycles Loan	-	-	5.50%	60 Months
Details Published APR range: 5.50% to 17.75%. Financed: 80% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
New/Used Cars, Trucks & Motorcycles Loan	-	-	5.50%	48 Months
Details Published APR range: 5.50% to 18.00%. Financed: 120% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
New/Used Cars, Trucks & Motorcycles Loan	-	-	5.75%	72 Months
Details Term: 72 Months (over $20,000); Published APR range: 5.75% to 16.50%. Financed: 80% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
New/Used Cars, Trucks & Motorcycles Loan	-	-	5.75%	60 Months
Details Published APR range: 5.75% to 18.00%. Financed: 120% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
New/Used Cars, Trucks & Motorcycles Loan	-	-	6.00%	72 Months
Details Term: 72 Months (over $20,000); Published APR range: 6.00% to 16.75%. Financed: 120% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%

Bayou City Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New/Used RVs, Boats & Trailers Loan	-	8.25%	36 Months
Details Published APR range: 8.25% to 11.75%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
New/Used RVs, Boats & Trailers Loan	-	8.25%	48 Months
Details Published APR range: 8.25% to 12.25%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
New/Used RVs, Boats & Trailers Loan	-	8.50%	60 Months
Details Published APR range: 8.50% to 13.00%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
New/Used RVs, Boats & Trailers Loan	-	8.75%	72 Months
Details Term: 72 Months (over $20,000); Published APR range: 8.75% to 13.50%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
New/Used RVs, Boats & Trailers Loan	-	14.40%	12 months
Details Term: 12 months - mileage < 200,000; 50% Financed Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
New/Used RVs, Boats & Trailers Loan	-	14.40%	24 months
Details Term: 24 months - mileage < 150,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
New/Used RVs, Boats & Trailers Loan	-	14.40%	36 months
Details Term: 36 months - mileage < 100,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%

Bayou City Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	7.90%	up to 60 months
Details Published APR range: 7.90% to 17.90%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%

Bayou City Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Line of Credit	-	-	9.90%	up to 48 months
Details Published APR range: 9.90% to 17.90%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Relationship Loan	-	-	18.00%	60 months
Details direct deposit required Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Payroll CD	1.39%	-	1.40%
Min Balance $100 Details Balance: $100 - $999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Payroll CD	1.64%	-	1.66%
Min Balance $1,000 Details Balance: $1,000 plus Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Traditional IRA	-	-	0.15%
Min Balance $25,001 Details Balance: $25,001 to $50,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Traditional IRA	-	-	0.20%
Min Balance $50,000 Details Balance: $50,000 plus Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Bayou City Federal Credit Union’s Texas Ratio fell from 4.81% in Q2 2023 to 3.12% in Q1 2026, so its financial health has improved and is now 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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$24M	3.12%	5.0	A+
December 31, 2025	$24M	5.12%	5.0	A+
September 30, 2025	$24M	3.22%	5.0	A+
June 30, 2025	$24M	2.74%	5.0	A+
March 31, 2025	$25M	3.50%	5.0	A+
December 31, 2024	$25M	5.41%	5.0	A+
September 30, 2024	$25M	4.39%	5.0	A+
June 30, 2024	$26M	5.12%	5.0	A+
March 31, 2024	$26M	4.19%	5.0	A+
December 31, 2023	$26M	4.99%	5.0	A+
September 30, 2023	$27M	4.77%	5.0	A+
June 30, 2023	$28M	4.81%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 3

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.12%

Return on Assets (ROA)

0.0583%

Return on Equity (ROE)

0.5776%

Non-Performing Loans Ratio (NPL)

0.94%

Total Assets

23,830,931

Total Amount of Shares and Deposits

21,319,639

Total Shares and Deposits < 1 Year

21,094,810

Total Shares and Deposits 1 3 Years

60,517

Total Shares and Deposits > 3 Years

164,313

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

762,152

Total Uninsured Shares and Deposits > $250K (F+J)

762,152

Total Insured Shares and Deposits > $250K (item 17 less item K)

20,557,487

Total Interest Expense (Sum of items 6 8)

13,781

Share Certificates

Number of Accounts for Share Drafts

1,238

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,797

Money Market Shares

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)

1,072,417

Total Liabilities

21,425,112

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Bayou City Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Bayou City Federal Credit Union

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.