Baycel Federal Credit Union

Baycel Federal Credit Union has been a trusted member-owned financial institution in Bay City, Texas, since our founding in April 1963. Originally established by Celanese plant employees seeking affordable credit and higher deposit returns, we have grown into a full-service credit union serving the financial needs of Matagorda County residents. Our core philosophy centers on providing safe, sound, and competitive financial services through a cooperative model that prioritizes member interests above all else. As a federally chartered institution governed by an elected Board of Directors, we maintain strict compliance with federal regulations while delivering personalized banking solutions. Our commitment to responsible financial stewardship enables us to offer competitive loan rates, dividend-earning savings options, and comprehensive banking services that directly benefit our members.

With over six decades of community-focused service, we continue expanding our digital capabilities while preserving the personal touch that defines our member relationships. Our experienced team ensures secure 24/7 access to financial tools through mobile and online banking platforms. We maintain transparent practices with clear fee schedules and no hidden charges across our financial product offerings. Our membership eligibility extends to those living, working, studying, or worshiping in Matagorda County, creating a strong local economic network. Through this enduring commitment to financial accessibility and community development, we remain dedicated to helping members achieve their financial goals at every life stage.