Loans
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At Baycel, loans have rates and terms designed to meet your needs. Baycel will lend money for secured and unsecured personal loans, new and used automobiles, recreational vehicles, boats, home equity, first mortgage, vacations, education and many other worthwhile purposes. Flexible repayment terms will fit your budget. You can save time and money by arranging to have loan payments automatically deducted from your paychecks or from your credit union account.
It's easy to apply. In most cases you may make an application and get your loan approved in just hours. Call 979-244-3995 to arrange your loan over the phone. Approval is subject to credit guidelines.)
If you are planning to buy a new or used vehicle, Baycel can help you work out the financial details. Our low rates and flexible payment plans may be the boost you need to close the deal. A variety of repayment terms and down payment options means we can design an auto loan to fit your budget.
Auto Loan Refinance
If you currently have an auto loan with another financial institution, compare our rates and save! To lower your monthly payments, we offer low fixed rates and a choice of terms.
Recreational Vehicles, Motorcycles, Boat Loans
To help you get off the road, or in the water, we offer a variety of financing options to suit your budget. Terms up to ten years and very competitive rates are available.
For additional peace of mind for you and your family, be sure to add Mechanical Breakdown Protection and Guaranteed Asset Protection (GAP).
Home improvements, bill consolidation, dream vacation, education expenses? No matter what your borrowing needs are, the equity in your home can provide a low interest solution. Baycel offers competitive rates and flexible terms. Best of all, you may be able to deduct the interest from your taxes! (Consult your tax advisor for tax deductibility.) Credit Union of Texas has two Home Equity options available for qualified members in Texas, so you can choose the one that's perfect for you. Some restrictions may apply.
Are you interested in purchasing undeveloped property? If so gives us a call we can assist you every step of the way.
Looking for a little extra cash to take along on the family vacation? Whatever your cash needs, Baycel has the answer with one of our Signature Loans.
Need convenient access to extra cash on your terms? Our Line of Credit loan offers a convenient way to access cash whenever you need to!
When your teen is ready for college, you want financing that you can trust with a lender you know will always be there for you.
Payment Protection
When credit union members take on a new financial obligation like a loan, they often ask about what would happen in the event of a death, disability, or layoff. That's where payment protection comes in. Credit Life, disability, and involuntary unemployment coverage can be a big help financially when difficult circumstances arise. Ask us for more information!
Application
We want to make it easy for you, so apply which ever way is most convenient for you, at any branch location or by phone. You can also fax your application in to any branch of your choice.
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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Goverment.
National Credit Union Administration, a U.S. Goverment Agency
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