Branch Location & Accessibility
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!
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 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 20.60% 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 $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. 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.
