Baycel Federal Credit Union

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A short history of Baycel FCU

Since its inception in 1963 the Baycel Federal Credit Union has been serving its members in the BAY CITY, Texas area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Paula Abshier, the Baycel FCU has grown its membership to over 4,316 with assets of more than $57,128,349. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (979) 244-3995 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in BAY CITY, TX.

General Information For Baycel FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 15563
Address 2320 6TH ST 
State Texas 
Zip-Code 77414
Phone Number (979) 244-3995
Fax Number (979) 244-8207
Email Address:
CEO/President Paula Abshier
Members 4,316 
Full-Time Employees 10 
Part-Time Employees
Number of Branch Offices
Total Assets 57,128,349 

Compare Baycel Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Matagorda County CU Matagorda County Credit Union 3700 Avenue F 77414 (979) 245-8674 No 8.80
Sweeny Teachers CU Sweeny Teachers FCU 1310 N Elm St 77480 (979) 548-2662 No 11.86
Old Ocean CU OLD OCEAN FEDERAL CREDIT UNION PO Box 527 77463 (979) 316-4833 No 12.31
Texas Dow Employees CU TDECU-Cinco Ranch 24250 Cinco Ranch Blvd 77494 (800) 839-1154 No 23.82
Brazosport Teachers CU Brazosport Teachers FCU 216 Lakeview Dr 77531 (979) 265-5333 No 26.44

Baycel Federal Credit Union Financial Performance Charts

Performance Charts

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Financial Data

Baycel Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.90 4.00 5.00 6.00 6.20
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 243 282 324 373 362
Rank Among All Texas Credit Unions 50 105 113 110 90

Baycel Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.15 0.25 N/A 0.50 0.40
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 108 95 N/A 263 243
Rank Among All Texas Credit Unions 26 34 N/A 88 61
Baycel Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.9005681,132,172
All Other Unsecured Loans/Lines of Credit 9.5006622,466,879
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 4.0003768,189,461
Used Vehicle Loans 5.0005566,246,545
Total 1st Mortgage Real Estate Loans/Lines of Credit 6.0001154,974,875
Total Other Real Estate Loans/Lines of Credit 6.2009295,686
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.8003125,279,960
TOTAL LOANS & LEASES 2,59828,585,578

Baycel Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 2213,72600
    b. 15 Years or less 1134,761,149249,000
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 9295,68600
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 1245,270,561249,000


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Baycel Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay No
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders No
No Surcharge ATMs No
Home Banking Via Internet Website Yes