CHEMCEL FEDERAL CREDIT UNION

At Chemcel, we believe in building strong financial futures for our members and the communities we serve. Located at 2400 Fm 3057, Bay City, TX 77414, our branch has been a trusted partner since 1951. With a proud history of serving over 9,400 members, we are dedicated to providing personalized financial solutions that fit every lifestyle. As a member-owned credit union, Chemcel operates with your best interests in mind. Our total assets stand at an impressive $159,917,322, reflecting our commitment to maintaining robust financial health while offering competitive products. With $23,746,314 in total deposits and 7038 loans and leases granted, we focus on fostering growth and stability for our community. While you can visit us at our Bay City location, please note that any official correspondence should be directed to our mailing address: PO Box 509, Bay City, TX 77404. This ensures your important documents reach us without delay. Led by CEO Michael Engel and Board President Ken May, our team of 35 dedicated employees is here to support you through all your financial needs. Whether you're interested in checking accounts, auto loans, or personal banking services, we have options tailored just for you. Our commitment goes beyond just numbers; it's about making a positive impact within Bay City and surrounding areas. We take pride in being a reliable financial partner where every member feels valued and understood. Ready to explore how Chemcel can help you achieve your financial goals? Give us a call at (979) 241-4295 or visit our website at chemcel.org today!

At Chemcel, we are proud of our rich history and deep-rooted commitment to serving the Bay City community. Founded in 1951, our branch has grown alongside the members we serve, evolving from humble beginnings into a vibrant financial institution that now boasts over 9,400 members. Our main office is located at 2400 FM 3057, Bay City, TX 77414, a central spot that makes it easy for our community to access vital banking services. Our mission at Chemcel is simple yet profound: to provide personalized financial services while fostering a sense of community and support among our members. We believe in empowering individuals through education and resources that promote financial wellness. Whether it's helping you secure an auto loan, manage your savings, or plan for future investments, our dedicated team is here to guide you every step of the way. Since opening our doors, we've achieved significant milestones. Today, we proudly hold total assets of over $159 million. This growth reflects not just the trust placed in us by our members but also our commitment to sound financial practices and community involvement. From personal banking services like checking and savings accounts to business banking solutions and loans, we strive to meet the diverse needs of our membership. Chemcel is more than just a credit union; we are part of the fabric of Bay City. We actively engage with local organizations and participate in outreach efforts that enhance the quality of life in our area. Our partnerships with local charities and schools exemplify our dedication to giving back to the community that supports us. While members can visit us at 2400 FM 3057, official correspondence should be sent to PO Box 509, Bay City, TX 77404. We invite you to stop by during our operating hours from 8:30 AM to 3:00 PM, Monday through Friday. Although we currently do not offer ATM or drive-thru services, we provide robust online banking options so you can manage your finances conveniently from home. As we look forward to the future, Chemcel remains committed to adapting and innovating for our members' needs. With initiatives focused on digital advancements and customer-centric services, we continue to strive for excellence in all we do. Join us today at Chemcel and discover how we can help you achieve your financial goals while being a part of something bigger a community-driven organization dedicated to making a positive impact in Bay City. Your journey towards financial empowerment begins here!

At Chemcel, we believe that becoming a member means joining a warm and supportive community where your financial well-being is our top priority. If you're looking to become part of our family, you'll find that eligibility is straightforward. Anyone who lives, works, or worships in the Bay City area can become a member! We welcome individuals from all walks of life and are dedicated to providing personalized service that helps you achieve your financial goals. To learn more about the specific eligibility criteria and any additional details, feel free to visit our website at https://www.chemcel.org/benefits-resources/benefits-of-membership . Opening an account with us is easy and convenient; just give us a call at (979) 241-4295 or drop by our branch located at 2400 Fm 3057 Bay City Tx 77414 during our operating hours from 8:30 AM to 3:00 PM, Monday through Friday. Join us today and discover the advantages of being part of Chemcel where your success is our mission!

At Chemcel, we understand that every business has unique needs and dreams. Whether you're a startup looking to take the first leap or an established company aiming for expansion, our business banking and commercial services are designed to support your journey. Imagine securing the funding you need to purchase new equipment or expand your storefront. Our commercial loans can make this a reality. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. Beyond loans, our merchant services simplify daily transactions, allowing you to focus on what matters most growing your business. With tools that help streamline payments and improve cash flow, we're here to empower you every step of the way. Visit us at 2400 Fm 3057 Bay City Tx 77414 in Bay City, TX, or call us at (979) 241-4295 to explore how we can help your business thrive!

At Chemcel, we understand that modern banking should be as convenient and secure as possible. That's why we've tailored our digital and online banking services to fit your lifestyle, allowing you to manage your finances from anywhere, at any time. You can easily access your accounts 24/7 through our online banking platform at https://www.chemcel.org/ . This service gives you real-time insights into your finances, enabling you to check balances, make payments, and transfer funds with just a few clicks. Want to send money to a friend? Our person-to-person transfer feature makes it quick and straightforward. For those who prefer managing their accounts on the go, our mobile application is available for download. It provides a user-friendly experience where you can perform all the essential banking tasks right from your smartphone. Whether you're checking your e-statements or making payments, everything is designed to be simple and efficient. Security is always a top priority for us. While we do not currently offer electronic signature authorization for transactions, we ensure that all your data is kept safe with robust security measures in place. Plus, if you're interested in going paperless, we provide e-statements that are not only environmentally friendly but also accessible anytime you need them. With features like mobile payments coming soon and reliable customer support available via phone at (979) 241-4295, managing your finances has never been easier or more secure. At Chemcel, we're committed to providing you with the tools you need for effective financial management because your peace of mind matters to us!

At Chemcel, 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 want you to feel confident in your choice of banking with us, knowing that we are dedicated to your financial well-being. With a net worth of $20,084,949, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,253 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 $52,080,374 in share certificates and $10,693,289 in money market shares, 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 $18,733,503 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 significant; with $1,608 in used auto loans and $98,361,582 in total loans and leases, we support our members' financial goals across various sectors. Our operational efficiency is reflected in our $1,030,681, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 32 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts: 19,134 show 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, Chemcel is your trusted partner. Visit us at 2400 Fm 3057 Bay City Tx 77414 or call (979) 241-4295 to learn more about how we can help you achieve 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.