BAYCEL FEDERAL CREDIT UNION

At Baycel, we believe in building strong financial futures for our members and the community. Located at 400 7th St, Bay City, TX 77414, our branch has been serving the people of Bay City since 1963. With a dedicated team of 13 employees, led by our passionate CEO, Paula Abshier, and Board President, Kristi Moss, we strive to provide personalized banking solutions that fit your needs. With a total membership of 5,383 and assets reaching an impressive $81,329,085, we take pride in being a trusted partner for your financial journey. Our services include personal banking options such as checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. We understand the importance of trust in finance. That's why we maintain a solid net worth of $16,760,900 and ensure your deposits are safe with total deposits amounting to $3,396,284. We also have robust cash reserves of $545,079, enabling us to support our members whenever they need assistance. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 400 7th St, Bay City, TX 77414. If you're looking for a credit union that puts you first and is deeply committed to enhancing your financial well-being, look no further than Baycel. Whether you have questions or want to explore new financial opportunities with us, please don't hesitate to reach out at 979-245-2356. We invite you to discover how we can help you achieve your financial goals today! For more information about our services or to join us online, visit Baycel's website.

Welcome to Baycel, your friendly neighborhood credit union located at 400 7Th St in beautiful Bay City, TX! We understand that convenience is key when it comes to banking, and our branch is easily accessible for all members of the Matagorda County community. Just a stone's throw away from popular local spots, you can find us near the vibrant downtown area, making it simple to pop in for your banking needs while enjoying everything our city has to offer. While members can visit us at 400 7Th St, official correspondence should be sent to the same address. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ramps so everyone can enjoy our services without hassle. We also have ample parking available, ensuring you can park close by. At Baycel, we value your time. Our lobby hours are set for Monday, Wednesday, and Friday from 7:30 a.m. to 3:30 p.m., giving you plenty of opportunities to stop by when it's convenient for you. Although we don't have ATM or drive-thru services at this location, our dedicated staff is here to assist you directly with all your banking needs. Whether you're looking to open a new checking account, apply for an auto loan, or simply ask questions about your current accounts, we're here to help! Feel free to give us a call at 979-245-2356 if you have any inquiries before your visit. We can't wait to welcome you into our branch and show you how easy and enjoyable banking can be with Baycel!

At Baycel, we believe that everyone deserves a chance to join our community and benefit from our personalized financial services. Becoming a member is straightforward and welcoming. If you live, work, worship, or go to school in the Bay City area, you're already eligible! We also extend membership to family members of existing members, making it easy for your loved ones to enjoy the same benefits. Our goal is to create a supportive environment where you can thrive financially while enjoying access to a range of services tailored just for you. To get started on your journey with us, simply visit our website at http://www.baycel.org/mcu-member .html for detailed eligibility criteria. When you're ready to open an account, you can easily find all the information you need at https://my.homecu.net/fi/baycel/loan-application.html . If you have any questions or need assistance, feel free to give us a call at (979) 245-2356. We can't wait for you to become part of the Baycel family!

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 that our financial strength reflects our commitment to providing you with reliable services and products tailored to your needs. 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 $16,760,900, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,060 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 $8,617,453 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 $16,723,092 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; with $595 in used auto loans and $36,444,170 in total loans and leases, we support your financial goals across various sectors. 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. Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 10,176, showing a strong and 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 400 7Th St Bay City Tx 77414 or call (979) 245-2356 to learn more about how we can help you achieve your financial goals.