• * Main Branch Located @ 2900 Hamman Rd. Bay City, TX 77414 * Phone: (979)244-3995

  • Lobby Open Weekdays 8 to 4 *Drive Open 7:30 to 5 M - Th & Fri 7:30 to 5:30

    Rates

    Last Reviewed 11/29/2011

    New Auto Rates

     

    (Refinance as NEW if within 1st year purchased)

    A+

    APR*

    A

    APR*

    B

    APR*

    C

    APR*

    D

    APR*

    E

    APR*
    36 Months
    2.50%-3.00%
    		 2.75%-3.25% 3.50%-4.00%
    6.50%-7.00%
    8.50%-9.00%
    12.50%-13.00%
    48 Months
    2.75%-3.25%
    		 3.00%-3.50% 3.75%-4.25%
    6.75%-7.25%
    8.75%-9.25%
    12.75%-13.25%
    60 Months
    3.00%-3.50%
    		 3.25%-3.75% 4.00%-4.50%
    7.00%-7.50%
    9.00%-9.50%
    13.00%-13.50%
    72 Months
    3.50%-4.00%
    		 3.75%-4.25% 4.50%-5.00%
    7.50%-8.00%
    9.50%-10.00%
    13.50%-14.00%

     

    Used Auto Rates

     

     

    A+

    APR*

    A

    APR*

    B

    APR*

    C

    APR*

    D

    APR*

    E

    APR*
    36 Months
    3.75%-4.25%
    4.50%-5.00%
    5.25%-5.75%
    8.00%-8.50%
    12.75%-13.25%
    14.75%-15.25%
    48 Months
    4.50%-5.00%
    4.75%-5.25%
    5.50%-6.00%
    8.25%-8.75%
    13.00%-13.50%
    15.00%-15.50%
    60 Months
    4.75%-5.25%
    5.00%-5.50%
    5.75%-6.25%
    8.50%-9.00%
    13.25%-14.00%
    15.25%-15.75%

     

    New Recreational Vehicles*

     

    (Refinance as NEW if within 1st year purchased)

    A+

    APR*

    A

    APR*

    B

    APR*

    C

    APR*

    D

    APR*

    E

    APR*
    36 Months
    4.25%-4.75%
    		 4.75%-5.25% 5.50%-6.00%
    8.50%-9.00%
    10.45%-10.95%
    14.45%-14.95%
    48 Months
    4.75%-5.25%
    		 5.25%-5.75% 6.00%-6.50%
    8.75%-9.25%
    10.60%-11.10%
    14.60-15.10%
    60 Months
    5.00%-5.50%
    		 5.50%-6.00% 6.25%-6.75%
    9.00%-9.50%
    10.75%-11.25%
    14.75%-15.25%
    72 Months
    5.50%-6.00%
    		 6.00%-6.50% 6.75%-7.25%
    10.00%-10.50%
    11.75%-12.25%
    15.75%-16.25%
    120 Months (Travel/Horse Trailer & Boats)( Min.Loan Amount $15,000 )
    6.00%-6.50%
    		 6.50%-7.00% 7.25%-7.75%
    12.00%-12.50%
    Not Available
    		Not Available
    132 Months (Travel/Horse Trailer & Boats)( Min.Loan Amount $20,000 )
    6.50%-7.00%
    		 7.00%-7.50% 7.75%-8.25%
    12.50%-13.00%
    Not Available
    		 Not Available
    144 Months (Travel/Horse Trailer & Boats)( Min.Loan Amount $25,000 )
    7.00%-7.50%
    		 7.50%-8.00% 8.25%-8.75%
    13.00%-13.50%
    Not Available
    		Not Available

    *This included Boats, RV's, Horse Trailiers, ATV's, etc...

    Used Recreational Vehicles*

     

     

    A+

    APR*

    A

    APR*

    B

    APR*

    C

    APR*

    D

    APR*

    E

    APR*
    36 Months
    5.50%-6.00%
    6.00%-6.50%
    6.75%-7.25%
    9.50%-10.00%
    14.25%-14.75%
    16.25%-16.75%
    48 Months
    5.75%-6.25%
    6.25%-6.75%
    7.00%-7.50%
    9.75%-10.25%
    14.50%-15.00%
    16.50%-17.00%
    60 Months
    6.00%6.50%
    6.50%-7.00%
    7.25%-7.75%
    10.00%-10.50%
    14.75%-15.25%
    16.75%-17.25%
    72 Months
    6.50%-7.00%
    7.00%-7.50%
    7.75%-8.25%
    11.00%-11.50%
    Not Available
    Not Available
    120 Months (Travel/Horse Trailer & Boats)( Min.Loan Amount $15,000 )
    7.00%-7.50%
    7.50%-8.00%
    8.25%-8.75%
    13.00%-13.50%
    Not Available
    		 Not Available
    132 Months (Travel/Horse Trailer & Boats)( Min.Loan Amount $20,000 )
    7.50%-8.00%
    8.00%-8.50%
    8.75%-9.25%
    13.50%-14.00%
    Not Available
    		Not Available
    144 Months (Travel/Horse Trailer & Boats)( Min.Loan Amount $25,000 )
    8.00%-8.50%
    8.50%-9.00%
    9.25%-9.75%
    14.00%-14.50%
    Not Available
    		Not Available

    *This included Boats, RV's, Horse Trailiers, ATV's, etc...

    Home Equity Loans***   Land Loans***

    80% of Appraised Value

    A

    *APR

    B

    *APR

    C

    *APR

    90 % of appraised value

    A

    *APR

    B

    *APR

    C

    *APR
    5 Years or Less
    5.25%
    5.75%
    6.5%
    		 6 Years or Less
    6.50%
    6.75%
    7.00%
    61 - 120 Months
    5.50%
    6.00%
    6.75%
    		 Up to 15 Years
    6.75%
    7.00%
    7.25%
    121 - 180 Months
    5.75%
    6.25%
    7.00%
    		  

     

    Personal Loan Interest Rates**

     

    A+

    *APR

    A

    *APR

    B

    *APR

    C

    *APR

    D

    *APR

    E

    *APR
    12 Months
    6.50%-7.00%
    7.00%-7.50%
    8.00%- 8.50%
    9.00%- 9.50%
    10.00%-10.50%
    15.50%-16.00%
    24 Months
    7.00%-7.50%
    7.50%-8.00%
    8.50%- 9.00%
    10.50%-11.00%
    12.00%-12.50%
    16.00%-16.50%
    36 Months
    8.00%-8.50%
    8.50%-9.00%
    9.505-10.00%
    12.50%-13.00%
    14.50%-15.00%
    16.50%-17.00%
    48 Months
    9.00%-9.50%
    9.50%-10.00%
    10.50%-11.00%
    14.50%-15.00%
    16.00%-16.50%
    17.50%-18.00%

     

    Share Certificate Covered Loans***

    2% above earned rate

     

    Share Covered Covered Loans***

    24 Months
    3.9%
    Longer than 24 Months
    5.9%

     

    Loan Calculator • Loan Application • Back to Top

    * APR is the Annual Percentage Rate. We participate in a opportunity lending program based on credit scores. **Rewards Program: Up to.50% off for direct deposit and\or checking accout with Baycel FCU ***Rewards do not apply Lowest APR is determined by members Beacon score and by current special offers All loan rates are based on members Beacon score. All rates are subject to change.

    Please call Baycel FCU for current rates.

    Share/Savings

    Dividend rate
    APY*
    Share/Savings
    0.35%
    0.35%
    Club Share
    0.60%
    0.60%
    Share Draft/Checking
    0.25%
    0.25%
    Share IRA-Traditional, Roth, & ESA
    0.50%
    0.50%

    Savings Calculator • Back to Top
    * APY is the Annual Percentage Yield
    All rates are subject to change.


    Please call Baycel FCU for current rates.

    Share Certificates
    Dividend rate
    APY*
    6 Month Certificate
    .80%
    .80%
    1 Year Certificate
    1.00%
    1.01%
    2 Year Certificate
    1.10%
    1.11%

    Savings Calculator • Back to Top
    * APY is the Annual Percentage Yield
    All rates are subject to change

    . Ask a credit union representative for further information about the fees and other terms that apply to these accounts. For updated rates and fees call your local branch office.

    A penalty may be imposed for early withdrawl .

     

    IRA Share Certificates
    Dividend rate
    APY*
    1 Year Certificate
    1.00%
    1.01%

    Savings Calculator • Back to Top
    * APY is the Annual Percentage Yield
    All rates are subject to change

    . Ask a credit union representative for further information about the fees and other terms that apply to these accounts. For updated rates and fees call your local branch office.

    A penalty may be imposed for early withdrawl .

     

    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

    Email: baycelfcu@baycel.org

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