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Chocolate Bayou Community

P.O. Box 1694, Alvin, TX 77512
NCUA Insured4.6 (301 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1962

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

P.O. Box 1694

Alvin, TX 77512

Service Area

This credit union is located in Alvin and serves members in the TX area. Currently serving 11,704 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.36%

Used Auto Loan

5.14%

Personal Loan

10.77%

Credit Card APR

10.07%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in TX

Lowest rates currently reported by credit unions in TX (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(4 total)

Member Reviews

4.6

301 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
walker conn

walker conn

7 months ago

I’ve had my card shut off 4 times this year. If you bank here I hope you keep cash on you because when(not if) they shut your card off, you won’t be able to eat. Horrible bank!

Brenda Rather

Brenda Rather

2 years ago

I've been a customer since maybe the 90s and I love Chocolate Bayou Credit Union! The customer service is off the charts and I love that my deposits are accessible right away, unlike most banks. I belonged to two other credit unions in the past and they're always a better choice than a bank. I'll never go back! Thanks CBCFCU!

Susan Elliott

Susan Elliott

a year ago

I highly recommend Chocolate Bayou Credit Union. I was completely impressed with Sarah Guel’s professionalism, and customer service. Sarah always takes the time to answer all my questions and provides me with all the options available. I’m very happy to have my banking with Chocolate Bayou Credit Union!

Cris Flores

Cris Flores

6 years ago

I have been a member of Chocolate Bayou Credit Union for approximately 35yrs. We have been very pleased with the customer service with all the employees and of course saving money be it with low interest loans or interest on our savings. But the best thing and our favorite thing about the credit union is Patti, that happy and sweet smile that meets me every time I walk into the bank. Southern charm and friendliness. Don't ever let her go!

Simona Alvarado

Simona Alvarado

7 years ago

Most recently things have been awesome ! I have been treated with respect and shown courtesy by an employee that took the time to take her time ! She made sure to maintain my privacy by closing the door when I was on speaker phone and that gesture alone made me want to stand up and salute this woman ! That privacy issue had been trampled upon at a different date and I was not amused ! The first person you see or speak to usually is Patti and since she has been employed there it is like a breath of fresh air upon entering the facility !! She is awesome ! She is professional, pleasant, eager to help, and she is genuine ! You can rest assured that if she asks you how you are doing and or how one of your family members are doing you can know that she asked because SHE TRULY CARES ! She listens and pays attention ! She is truly a dedicated employee !!! She is a “home” girl and everyone knows her and her family and knows also how dedicated she is to family, as well as to her friends and her “work” family. She always has a smile and takes the time to make sure your reason for the visit is taken care of in a timely manner and keeps you abreast of your wait time . Patti exudes the type of receptionist skills and attitude that any employer would or at least should walk through the desert in order to give her a position in their workforce !

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).