Business Details
50+ Years
experience
Your Trusted Financial Partner in Bay City, TX
Baycel Federal Credit Union has been a trusted financial institution since 1963, dedicated to providing safe, competitive financial services to our members. As a member-owned, federally chartered credit union, we operate under strict federal standards and are governed by an elected Board of Directors. Our commitment to member success drives our offerings of low-cost loans, diverse savings options, and dividend-paying accounts.We prioritize personalized service, treating all members with respect regardless of background, and strive to be a comprehensive financial solution for Matagorda County residents. With over six decades of local expertise, we combine financial innovation with community-focused values to meet evolving member needs.
Services
Free Checking
Share Certificates
IRA Accounts
Online Banking
Loan Services
Gift Cards
Bill Pay
Mobile Banking
Credit Cards
Direct Deposit
Details
- Year established: 1963
Highlights and features
- We have over 60 years of experience serving Matagorda County's financial needs.
- Our member-owned structure ensures personalized, community-focused banking.
- We offer free checking accounts with no minimum balance requirements.
- 24/7 access to online and mobile banking services is available to all members.
- We provide competitive loan rates and dividend-paying savings options.
Services
Free Checking
Our free checking accounts require no minimum balance or service fees. Members enjoy unlimited check writing, direct deposit options, and a VISA debit card for convenient transactions. This service provides financial flexibility while maintaining accessibility to funds.
Share Certificates
Share certificates offer competitive dividends with terms of six months, one year, or two years. Funds are compounded quarterly, providing secure growth opportunities for members seeking structured savings solutions with guaranteed returns.
Loan Services
We provide low-cost personal loans with flexible terms for qualified members. Services include auto financing, boat loans, and credit-building options. Our lending approach prioritizes member financial health through responsible borrowing practices.
Online Banking
24/7 online banking allows members to manage accounts, transfer funds, pay bills, and view statements securely. The platform supports real-time balance checks, check image viewing, and mobile check deposits through our free mobile app.
IRA Accounts
Individual Retirement Accounts offer tax advantages with Traditional, Educational, and Roth options. Minimum deposits start at $500, with quarterly dividend compounding to help members build secure financial futures through long-term savings strategies.
Questions
How can I become a member of Baycel Federal Credit Union?
Membership is open to anyone living, working, or worshiping in Matagorda County. Immediate family members of existing members also qualify. Visit our office to complete the application process.
What loan options are available for first-time homebuyers?
We offer competitive mortgage rates and personalized loan programs for first-time homebuyers. Contact our loan specialists to discuss eligibility requirements and available financing options.
How do I report a lost or stolen debit card?
Call 1-888-263-3370 immediately to report lost or stolen VISA debit cards. For MasterCard credit cards, contact 1-800-442-4757 Option #4 during business hours.
Can I access my accounts outside of business hours?
Yes, our 24/7 online and mobile banking services allow account access anytime. ATMs are available 24 hours daily for cash withdrawals and basic transactions.
What are the minimum requirements for opening a savings account?
A Regular Share Savings Account requires a $25 minimum balance. Special savings accounts can be opened at member request with flexible terms and conditions.
Reviews (4)
Ojface
Mar 30, 2021
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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
Jul 14, 2018
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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.
Marjeen Collins
Dec 27, 2017
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My family and I have been banking with Baycel for over 10 years ... Checking, savings, car loan and personal loans ... Thank you Baycel, past, present and future employees for always being #1 in my book!!!
Tracy Gaither
Aug 16, 2017
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I love this bank all the staff but I gotta say Belinda Organ rocks I been banking here 12yrs and this is my home and I'll never bank anywhere else. BCFCU