--- title: "Baycel Credit Union Rates & Who Can Join - Texas" description: "Baycel Credit Union is a credit union in Texas. Rate data is being verified. See who can join Baycel Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/baycel" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Baycel Credit Union Rates & Who Can Join - Texas No currently verified rates are available for this institution. We hide rates that fall outside the serving freshness window instead of presenting old figures as current. Baycel Credit Union is a credit union in Texas. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/baycel) , verified from [Baycel Credit Union's official website](https://www.baycel.org/) Loading branch locator… ## About Baycel Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 5.5K Assets $90.4M Founded 1963 Locations reported 4 NCUA charter 15563 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial education - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Texas Dow Employees** TDECU-Bay City · Bay City · TX · 77414 About 6.3 miles away](https://rateapi.dev/credit-unions/texas/texas-dow-employees) [**Matagorda County** Matagorda County Credit Union · Bay City · TX · 77414 About 6.5 miles away](https://rateapi.dev/credit-unions/texas/matagorda-county) [**Old Ocean** OLD OCEAN FEDERAL CREDIT UNION · Sweeny · TX · 77480 About 14.7 miles away](https://rateapi.dev/credit-unions/texas/old-ocean) [**Gulf Coast Educators** Sweeny Office · Sweeny · TX · 77480 About 14.8 miles away](https://rateapi.dev/credit-unions/texas/gulf-coast-educators) [**Members Choice** Lake Jackson · Lake Jackson · TX · 77566 About 27.8 miles away](https://rateapi.dev/credit-unions/texas/members-choice) [**Texasgulf** El Campo · El Campo · TX · 77437 About 31.1 miles away](https://rateapi.dev/credit-unions/texas/texasgulf) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Baycel Credit Union Membership eligibility from Baycel Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Baycel Credit Union's website. Check the membership page below to confirm whether you qualify. - Location matagorda — TX Verified from [Baycel Credit Union's membership page](https://www.baycel.org/mcu-member.html) . Final membership determination is always made by the credit union. ## Membership rules for Baycel Credit Union Geography 1 county · Family 3 7 published paths to membership, last verified August 27, 2026, quoted from Baycel Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Matagorda County, TX “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Matagorda County, TX” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member parent, grandparent, sibling, child, grandchild, step-parent, step-child, step-sibling “Includes persons who live, work, worship or go to school in Matagorda County and their immediate families. This includes parents, grandparents, siblings, children, grandchildren, step-parents, step-children, step-siblings, and adoptive relationships.” > [source ↗](https://www.baycel.org/mcu-member.html) - Family member (parent, grandparent, sibling, child, grandchild, step-parent, step-child, step-sibling) of a member - Family of a member household member “Members of your household are also eligible and include persons living in the same residence maintaining a single economic unit.” > [source ↗](https://www.baycel.org/mcu-member.html) - Family member (household member) of a member - Family of someone eligible immediate family, parent, grandparent, sibling, child, grandchild, step-parents, step-children, step-siblings, adoptive relationships “Includes persons who live, work, worship or go to school in Matagorda County and their immediate families. This includes parents, grandparents, siblings, children, grandchildren, step-parents, step-children, step-siblings, and adoptive relationships.” > [source ↗](https://www.baycel.org/mcu-member.html) - Family member (immediate family, parent, grandparent, sibling, child, grandchild, step-parents, step-children, step-siblings, adoptive relationships) of an eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Baycel Credit Union? Yes No ## Work at Baycel Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Baycel Credit Union ranks against Texas peers. - See which AI assistants fetched Baycel Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=baycel&state=texas&code=TX&name=Baycel%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Baycel Credit Union offer? Baycel Credit Union is a credit union in Texas. Rate data is currently being verified. ### How often are Baycel Credit Union rates updated? RateAPI verifies Baycel Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Baycel Credit Union's rate data? Rate data is collected directly from Baycel Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Baycel Credit Union? Baycel Credit Union publishes its membership criteria on its own website. RateAPI tracks 7 published membership paths covering 1 county for Baycel Credit Union, each quoted from Baycel Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Baycel Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.baycel.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Baycel Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Baycel Credit Union curl "https://api.rateapi.dev/credit-unions/texas /baycel " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Baycel Credit Union locations Search, filter, and browse all 4 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/texas/baycel Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp