BAYCEL FEDERAL CREDIT UNION

Welcome to Baycel, your trusted financial partner since 1963, located conveniently at 2320 6th St, Bay City, TX 77414. With a strong commitment to our community and a membership base of over 5,452, we pride ourselves on delivering personalized banking services that meet the unique needs of our members. At Baycel, we understand that financial decisions can be overwhelming. That's why we offer a wide range of services, from checking and savings accounts to auto loans and mortgages. Our total assets stand at an impressive $84,674,843, reflecting our stability and dedication to serving you well. With total deposits amounting to $6,234,455, you can rest assured knowing your money is in safe hands. Our experienced team, led by CEO Paula Abshier and Board President Kristi Moss, is here to support you every step of the way. We have a total of 13 employees who are committed to providing exceptional service and ensuring that your banking experience is smooth and straightforward. Whether you're looking for personal loans or business banking solutions, we're ready to assist you. You can easily access our services online at Baycel's website or give us a call at 979-244-3995 for any inquiries. While members can visit us at 2320 6th St, official correspondence should be sent to the same address as our mailing address: 2320 6TH ST, Bay City, TX 77414-5240. We invite you to explore our offerings and discover how we can help you achieve your financial goals. Come by today or reach out we're excited to serve you!

Baycel has a rich history that dates back to its opening in 1963, right here in Bay City, Texas. Since then, this credit union has been dedicated to serving the community and helping its members achieve their financial goals. With a membership that has grown to over 5,400 individuals, Baycel is proud to have become a trusted financial partner for many families and businesses in the area. Located at 2320 6Th St, Bay City, TX 77414, our branch is easily accessible for all your banking needs. Our operating hours are designed to accommodate our members: the lobby is open Monday through Thursday from 8:00 a.m. to 4:00 p.m., Friday from 8:00 a.m. to 5:00 p.m., and Saturday from 9:00 a.m. to noon. For those who prefer the convenience of drive-thru banking, we offer extended hours during the week, closing at 5:30 p.m. on weekdays and at noon on Saturdays. At Baycel, our mission goes beyond just providing financial services; we strive to uplift our community. We are committed to offering personal banking options like checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. Furthermore, our business banking solutions help local entrepreneurs thrive with merchant services and business loans. As part of our commitment to accessibility and innovation, we offer online and mobile banking options so you can manage your finances anytime and anywhere. Our ATM services are also available for quick cash withdrawals or balance checks. While members can visit us at our branch location for all transactions, official correspondence should be sent to our mailing address at 2320 6TH ST, Bay City, TX 77414-5240. Baycel takes pride in its total assets of over $84 million and remains focused on enhancing the lives of its members while supporting local initiatives. We believe that by investing in our community through partnerships and outreach efforts, we can create lasting positive change. We invite you to join us at Baycel and experience the difference of being part of a credit union that truly cares about its members. Discover how we can support your financial journey today! For more information or assistance, feel free to contact us at (979) 244-3995.

At Baycel, we believe that becoming a member is like joining a close-knit family where everyone supports one another. If you're looking to join us at our branch located at 2320 6Th St Bay City Tx 77414, you'll be glad to know that membership is open to individuals who live, work, worship, or attend school in our community. We welcome anyone who shares our values and is ready to take advantage of the many benefits we offer, from personal banking services to loans and financial education. To learn more about the specific eligibility criteria, feel free to visit our detailed page at http://www.baycel.org/mcu-member.html . Opening an account with us is a breeze! You can start your journey towards membership by visiting the account opening page here: https://my.homecu.net/fi/baycel/loan-application.html . If you have any questions or need assistance, don't hesitate to reach out at (979) 244-3995. We're here to help you every step of the way and ensure that your experience with us is welcoming and rewarding.

At Baycel, we understand that managing your finances should be as convenient and secure as possible. That's why we offer a range of digital and online banking services designed to fit your busy lifestyle. With our user-friendly platform, you can access your accounts anytime, anywhere, ensuring you're always in control of your financial well-being. One of the standout features is our comprehensive online banking service, which you can explore at https://www.baycel.org/ . This allows you to check balances, pay bills, and transfer funds with just a few clicks. Our 24/7 online banking means that whether it's early morning or late at night, your financial needs are met without delay. For those who prefer managing their finances on the go, our mobile application offers all the essential features right at your fingertips. You can make person-to-person transfers easily, ensuring quick payments to friends or family. Plus, with our mobile payments feature, shopping becomes hassle-free simply tap and pay wherever you go. Security is a top priority at Baycel. While we do not currently offer electronic signature authorization, rest assured that all transactions through our platform are protected with advanced security measures. Additionally, for those who like to keep track of their finances digitally, e-statements are readily available. This helps you stay organized while reducing paper clutter. With easy access to all these features and real-time account management capabilities, Baycel ensures that banking is not just simple but also empowering for every member. Join us today and experience the convenience of modern banking!

At Baycel, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our financial strength with you, ensuring you can trust us as your partner in achieving your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. With a net worth of $17,514,486, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,068 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $8,838,865 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $17,495,864 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $603 in used auto loans and $35,719,162 in total loans and leases. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 12 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share and Deposit Accounts stand strong at 10,278, showing a growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Baycel is your trusted partner. Visit us at 2320 6Th St Bay City Tx 77414 or call (979) 244-3995 to learn more about how we can help you achieve your financial goals.