--- title: "Bayou City Credit Union Rates (Nov 2026): CDs to 0.20%" description: "Bayou City Credit Union rates today: savings & CDs up to 0.20% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Bayou City Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/bayou-city" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Bayou City Credit Union Rates (Nov 2026): CDs to 0.20% ### Auto & vehicle rates 8 offers | Product | Published | Rate | Term / condition | Status | | **New/Used Cars, Trucks & Motorcycles (36 Months)** motorcycle_any_36mo | — APR | 5.250% | 36 mo · any | Standard | | **New/Used Cars, Trucks & Motorcycles (48 Months)** motorcycle_any_48mo | — APR | 5.250% | 48 mo · any | Standard | | **New/Used Cars, Trucks & Motorcycles (60 Months)** motorcycle_any_60mo | — APR | 5.250% | 60 mo · any | Standard | | **New/Used Cars, Trucks & Motorcycles (72 Months (over $20,000))** motorcycle_any_72mo | — APR | 5.250% | 72 mo · any | Standard | | **New/Used RVs, Boats & Trailers (48 Months)** rv_any_48mo | — APR | 8.250% | 48 mo · any | Standard | | **New/Used RVs, Boats & Trailers (36 Months)** rv_any_36mo | — APR | 8.250% | 36 mo · any | Standard | | **New/Used RVs, Boats & Trailers (60 Months)** rv_any_60mo | — APR | 8.500% | 60 mo · any | Standard | | **New/Used RVs, Boats & Trailers (72 Months (over $20,000))** rv_any_72mo | — APR | 8.750% | 72 mo · any | Standard | Bayou City Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Signature ($500 min)** personal_unsecured_60mo | — APR | 7.900% | 60 mo | Standard | | **Line of Credit ($1,000 min)** ploc_variable | — APR | 9.900% | 48 mo | Standard | Bayou City Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Texas Title Loans (24 months - mileage < 150,000)** credit_card | — APR | 14.400% | — | Standard | | **Relationship (direct deposit required)** credit_card | — APR | 18.000% | — | Standard | Bayou City Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 19 offers | Product | Published | Rate | Term / condition | Status | | **$1,001 To $2,500** savings | 0.05% APY | 0.05% | — | Standard | | **$2,501 To $5,000** savings | 0.05% APY | 0.05% | — | Standard | | **$10,001 To $25,000** savings | 0.05% APY | 0.05% | — | Standard | | **$501 To $10,000** savings | 0.05% APY | 0.05% | — | Standard | | **$500 To $10,000** savings | 0.05% APY | 0.05% | — | Standard | | **$5,001 To $10,000** savings | 0.05% APY | 0.05% | — | Standard | | **$25 To $500** savings | 0.05% APY | 0.05% | — | Standard | | **$25 To $1,000** savings | 0.05% APY | 0.05% | — | Standard | | **$25,001 To $50,000** savings | 0.10% APY | 0.10% | — | Standard | | **$50,001 Plus** savings | 0.20% APY | 0.20% | — | Standard | | **Payroll CD ($100 - $ 999.99)** cd | — APY | 1.39% | — | Context only | | **24-Month Certificate** cd_24mo | — APY | 1.58% | 24 mo | Context only | | **18-Month Certificate** cd_18mo | — APY | 1.61% | 18 mo | Context only | | **36-Month Certificate** cd_36mo | — APY | 1.62% | 36 mo | Context only | | **Payroll CD ($1,000 plus)** cd | — APY | 1.64% | — | Context only | | **12-Month Certificate** cd_12mo | — APY | 1.64% | 12 mo | Context only | | **48-Month Certificate** cd_48mo | — APY | 1.66% | 48 mo | Context only | | **60-Month Certificate** cd_60mo | — APY | 1.71% | 60 mo | Context only | | **6-Month Certificate** cd_6mo | — APY | 1.83% | 6 mo | Context only | Bayou City Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 0.20% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/bayou-city) , verified from [Bayou City Credit Union's official website](https://www.bcfcu.com/) Loading branch locator… ## About Bayou City Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.2K Assets $23.8M Founded 1980 Locations reported 3 NCUA charter 23582 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Financial counseling - Bilingual services - Credit-builder products 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. [**University** UT Health · Houston · TX · 77030 About 0.1 miles away](https://rateapi.dev/credit-unions/texas/university) [**Primeway** TMH · Houston · TX · 77030-2739 About 0.4 miles away](https://rateapi.dev/credit-unions/texas/primeway) [**BCM** Baylor · Houston · TX · 77030-3411 About 0.5 miles away](https://rateapi.dev/credit-unions/texas/bcm) [**Energy One** Greenway Plaza · Houston · TX · 77046-0521 About 2.6 miles away](https://rateapi.dev/credit-unions/oklahoma/energy-one) [**Houston** Greenway Plaza · Houston · TX · 77046-0003 About 2.6 miles away](https://rateapi.dev/credit-unions/texas/houston) [**Smart Financial** Lamar · Houston · TX · 77098-1003 About 2.9 miles away](https://rateapi.dev/credit-unions/texas/smart-financial) 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 Bayou City Credit Union Membership eligibility from Bayou City Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Bayou City Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Memorial Hermann Healthcare system Verified from [Bayou City Credit Union's membership page](https://www.bcfcu.com/about-us/) . Final membership determination is always made by the credit union. ## Membership rules for Bayou City Credit Union Employers · Family 3 4 published paths to membership, last verified August 27, 2026, quoted from Bayou City Credit Union’s own published criteria. Source-page proposal coverage: 4 of 5 extracted claims verified; 1 withheld. Only verified rules are shown here. This measures claims found on the reviewed source page, not every possible real-world membership path. ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Memorial Hermann Healthcare system “Employees or volunteers of the Memorial Hermann Healthcare system or one of its subsidiaries.” > [source ↗](https://www.bcfcu.com/about-us/) - Employee of Memorial Hermann Healthcare system ### 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 family members, domestic partners, foster children, legal guardian “Persons living in the same residence and who maintain a singe economic unit. This includes any person who is a permanent member of and participates in the maintenance of household, including family members, domestic partners, foster children, and legal guardian relationships.” > [source ↗](https://www.bcfcu.com/about-us/) - Family member (family members, domestic partners, foster children, legal guardian) of a member - Family of a member Parent, Grandparent, Spouse, Sibling, Child, Grandchild, Adopted Children, Stepparents, Stepchildren, Stepsiblings “Immediate family of a member of Bayou City FCU. This includes Parent, Grandparent, Spouse, Sibling, Child, Grandchild, Adopted Children, Stepparents, Stepchildren, and Stepsiblings.” > [source ↗](https://www.bcfcu.com/about-us/) - Family member (Parent, Grandparent, Spouse, Sibling, Child, Grandchild, Adopted Children, Stepparents, Stepchildren, Stepsiblings) of a member - Family of a member household member “Persons living in the same residence and who maintain a singe economic unit. This includes any person who is a permanent member of and participates in the maintenance of household, including family members, domestic partners, foster children, and legal guardian relationships.” > [source ↗](https://www.bcfcu.com/about-us/) - Family member (household member) of a member 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 Bayou City Credit Union? Yes No ## Work at Bayou City 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 Bayou City Credit Union ranks against Texas peers. - See which AI assistants fetched Bayou City 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=bayou-city&state=texas&code=TX&name=Bayou%20City%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Bayou City Credit Union offer? Bayou City Credit Union currently offers vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Bayou City Credit Union rates updated? RateAPI verifies Bayou City Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Bayou City Credit Union's rate data? Rate data is collected directly from Bayou City Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Bayou City Credit Union's best CD rate? As of November 12, 2026, Bayou City Credit Union offers savings and certificate (CD) yields up to 0.20% APY. ### Who can join Bayou City Credit Union? Bayou City Credit Union publishes its membership criteria on its own website. RateAPI tracks 4 published membership paths covering 1 employer for Bayou City Credit Union, each quoted from Bayou City Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Bayou City Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [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.bcfcu.com/) ### 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 Bayou City 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 Bayou City Credit Union curl "https://api.rateapi.dev/credit-unions/texas /bayou-city " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Bayou City Credit Union locations Search, filter, and browse all 3 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/bayou-city Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp