This branch of Baycel is located at 400 7th St in Bay City, Texas, and can be reached at (979) 245-2356. Baycel is a federally insured financial cooperative serving the Bay City, Texas community. Established to provide a secure alternative to big banks, they focus on member service rather than profits. If you are comparing options, you can also browse other credit unions in Bay City or review your personal loan options.
Profits are returned to members via better rates & lower fees.
Local decision making and support for the Bay City area.
Full service available in multiple languages to support our diverse community.
Affordable wire transfer services, making it easier to send money domestically or internationally.
No-cost share draft accounts (checking) with no monthly maintenance fees.
Partnerships with local schools to provide on-site banking and financial literacy for students.
400 7th St
Bay City, TX 77414
Membership at Baycel is typically open to individuals who live, work, worship, or attend school in Bay City and surrounding areas.
We recommend contacting the branch at (979) 245-2356 to confirm your eligibility before visiting.
Membership and underwriting can take time. If you need funds while your application is in progress, you can explore installment loans or, if your credit history is still developing, review loan options for bad credit.
Like most credit unions, Baycel typically offers the following services. If you want to weigh these against online options, you can compare debt consolidation loans or, for those rebuilding their score, look at loans for fair credit:
Yes, as a federally chartered or insured credit union, accounts are insured by the **NCUA (National Credit Union Administration)** up to $250,000. This offers the same level of protection as FDIC insurance at traditional banks.
Field of membership typically includes residents of Bay City, employees of specific local companies, or family members of existing members. Contact the branch directly for the most current eligibility list.
2 additional branches in 1 state
Looking for credit unions near me in other Texas cities? Browse credit unions in nearby locations:
To borrow from Baycel Credit Union you generally need to qualify for membership and meet its lending criteria, and not every applicant is approved. If you don't qualify, need to compare rates, or want to review more options, you can apply online with lenders serving Texas. Applying is quick, and funds may be available quickly after approval.
Approval, amount, and terms depend on the lender and your creditworthiness. Loans are not available in all states.