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Baycel

2320 6TH ST, Bay City, TX 77414
NCUA Insured4.6 (21 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1963

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

Location & Directions

Address

2320 6TH ST

Bay City, TX 77414

Service Area

This credit union is located in Bay City and serves members in the TX area. Currently serving 5,500 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

4.99%

Used Auto Loan

6.02%

Personal Loan

9.92%

Credit Card APR

9.90%

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

21 Google reviews

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

View on Google Maps
Cody Davis

Cody Davis

5 months ago

Have had an account for years. Multiple car loans and personal loans. Great people and service. Mrs. Owen is always amazing and Jasmine D. as well.

ojface

ojface

5 years ago

I've banked with baycel for at least 20 years now. Never had issues other than the 1k flag that gets thrown when trying to spend your own money. Seems weird that my account can be flagged at 1k, but a fraudulent charge of nearly 5k can come through without a challenge and put me in the negative. Amazing.

Daryl Bailey

Daryl Bailey

7 years ago

These guys helped me with a loan that my bank of 40 years wouldn't. They are knowledgeable, super friendly and personal. That's nice. I moved all my accounts. Thanks Belinda ,Malinda ,Lisa and Liz. Y'all are great. Have a wonderful CHRISTmas. 🐩

Johana Barrientos

Johana Barrientos

4 years ago

I am very unhappy with BFCU, My Card was fraudulent used for $600, I did not receive any flags, although I'm signed up to receive them, also when I contacted BFCU for help regarding this issue, they stated they were not able to dispute the charges because it was a "kids game" even after I explained to them that those charges were not Authorized and there was no possible way anyone else in the household could have made those charges. They began to question me and I felt as if they were accusing me of lying. I lost $600 and I am unable to get a refund.

OLLIESTINE Turner

OLLIESTINE Turner

9 years ago

I have been banking with Baycel for years and I'm here to tell you there is no other Credit Union better than Baycel. They have the most friendly and professional staff. I would recommend them to anyone!!!!!

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).