Branch History & Mission
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.
Financial Strength
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 20.68% 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 $531,678, 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.
