Texas Bay Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 0.50% | Reward Checking | Member Advantage 1.84% - National Average |
| 1.97% | 5-year CD | 60 Month CD 2.40% - Goldman Sachs Bank USA 5 Year CD |
| 0.85% | 1-year CD | 12 Month CD |
Texas Bay Credit Union is headquartered in Houston and is the 52nd largest credit union in the state of Texas. It is also the 615th largest credit union in the nation. It was established in 1936 and as of June of 2017, it had grown to 132 employees and 40,146 members at 8 locations. Texas Bay Credit Union's CD rates are 18% higher than the national average, and it has an A health rating.
Field of Membership Restrictions
Membership is open to those who live, work, worship or attend school several communities in the suburbs of Houston including areas within a 10 mile radius of any office. You can also be eligible via Select Employer Groups.
See current membership details
Love This Bank.
I have been a member of TBACU for 4 yrs now. They are areas always professional and treated me with courtesy and respect. They have proven to me that the customer is always right. And the pay interest on their checking accounts. What!!!!!!!
GOOD BANK AND GOOD SERVICE
I LOVE TBACU, GOOD SERVICE, BUT I THINK WE NEED MORE LOCATIONS IN HOUSTON AREA!!!!! I HAVE BEEN WITH THEM FOR ALMOST 4 YEARS AND THEY ALWAYS TREAT ME WITH COURTESY AND RESPECT.
Worst Customer Service!!!
I had a vehicle financed through Texas Bay Area Credit Union and it has been the worst experience ever. I have hung up with customer service crying due to the unfair treatment I have received. I refinanced my vehicle to get rid of all the chaos I had to go through with this credit union. Every time I would request a manager I would get transferred and eventually the call would get disconnected. They made me drive all the way to the Fuqua location once because they didn't know how to help me at the West Lake Houston location. I would NEVER refer anyone to this credit union.
Scary Experience!
I had been a customer of TBACU for 20+ years and never had a problem. Then, they screwed up some internal paperwork and gave the IRS false information on one of my accounts. It only cost me aggravation initially, because I always had my information together and was able to prove that the bank was wrong. But then, one day, they tried to force me to sign false documents. When I refused, they froze my account and would not respond to calls. I had to call the FBI to get my money out of the bank. My guess is they were in trouble with the regulators and were trying to cover themselves for it. This is a very dangerous institution, they were almost able to steal my money. I have this all well documented with the regulatory agencies
Data as of Q2 2017
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 67465 |
| Year Chartered | 1936 |
| Employees | 132 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.23% |
| Return on Equity - YTD | 11.97% |
| Annual Interest Income | $10.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2017vs Q2 2016 | $420.0MM$368.2MM |
| Loans | Q2 2017vs Q2 2016 | $352.3MM$295.4MM |
| Deposits | Q2 2017vs Q2 2016 | $338.1MM$304.0MM |
| Equity Capital | Q2 2017vs Q2 2016 | $43.1MM$38.2MM |
| Loan Loss Allowance | Q2 2017vs Q2 2016 | $3.4MM$2.2MM |
| Unbacked Noncurrent Loans | Q2 2017vs Q2 2016 | $4.8MM$3.3MM |
| Real Estate Owned | Q2 2017vs Q2 2016 | $0$0 |
Always verify rates and promotions with the bank or credit union. We are not Texas Bay Credit Union; we are a rate comparison website and cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
Texas Bay Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.50%* | $200k* | - | IRA Deposit Account | ||
| OTHER TIERS: 0.10% → $100 - $5k | 0.12% → $5k - $20k | 0.13% → $20k - $50k | 0.15% → $50k - $100k | 0.25% → $100k - $150k | 0.39% → $150k - $200k | |||||
| 0.12%* | $200k* | - | Share Account | ||
| OTHER TIERS: 0.06% → $100 - $50k | 0.07% → $50k - $100k | 0.08% → $100k - $150k | 0.10% → $150k - $200k | |||||
| 0.12%* | $200k* | - | Christmas Club | ||
| OTHER TIERS: 0.06% → $100 - $50k | 0.07% → $50k - $100k | 0.08% → $100k - $150k | 0.10% → $150k - $200k | |||||
| 0.04%* | $100k* | - | Business Share Account | ||
| OTHER TIERS: 0.03% → $250 - $100k | |||||
Texas Bay Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.25%* | $200k* | - | Bonus Money Fund | ||
| OTHER TIERS: 0.10% → $100 - $5k | 0.12% → $5k - $20k | 0.13% → $20k - $50k | 0.15% → $50k - $100k | 0.17% → $100k - $150k | 0.19% → $150k - $200k | |||||
| 0.05%* | $100k* | - | Business Money Fund | ||
| OTHER TIERS: 0.04% → $500 - $100k | |||||
Texas Bay Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.50%* | $200k* | - | Member Advantage | ||
| OTHER TIERS: 0.15% → Up to $5k | 0.20% → $5k - $20k | 0.30% → $20k - $50k | 0.35% → $50k - $100k | 0.40% → $100k - $150k | 0.45% → $150k - $200k | |||||
| 0.40%* | $200k* | - | Premium Checking | ||
| OTHER TIERS: 0.10% → $1,500 - $5k | 0.15% → $5k - $20k | 0.20% → $20k - $50k | 0.25% → $50k - $100k | 0.30% → $100k - $150k | 0.35% → $150k - $200k | |||||
| 0.04%* | $100k* | - | Simply Plus Business Checking | ||
| OTHER TIERS: 0.03% → $1k - $100k | |||||
| 0.03% | $250 | - | Regular Checking | ||
| 0.03% | $250 | - | 50+ Checking | ||
| 0.03% | $250 | - | Simply+ Checking | ||
Texas Bay Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.17% | $50k | - | Jumbo 60 Month CD | |
| 1.97% | $1k | - | 60 Month CD | |
| 1.87% | $50k | - | Jumbo 48 Month CD | |
| 1.75% | $50k | - | Jumbo 36 Month CD Special - New Money | |
| 1.66% | $1k | - | 48 Month CD | |
| 1.26% | $1k | - | 36 Month CD | |
| 1.25% | $50k | - | Jumbo 18 Month CD Special - New Money | |
| 1.25% | $50k | - | Jumbo 24 Month CD | |
| 1.11% | $50k | - | Jumbo 36 Month CD Special - Exsisting Funds | |
| 1.06% | $1k | - | 24 Month CD | |
| 1.06% | $50k | - | Jumbo 12 Month CD | |
| 0.95% | $1k | - | 18 Month CD | |
| 0.85% | $1k | - | 12 Month CD | |
| 0.80% | $50k | - | Jumbo 18 Month CD Special - Exsisting Funds | |
| 0.75% | $50k | - | Jumbo 6 Month CD | |
| 0.55% | $1k | - | 6 Month CD | |
| 0.30% | $1k | - | 12 Month Payroll Growth CD |
Texas Bay Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.17% | $50k | - | Jumbo 60 Month IRA | |
| 1.97% | $1k | - | 60 Month IRA | |
| 1.87% | $50k | - | Jumbo 48 Month IRA | |
| 1.75% | $50k | - | Jumbo 36 Month IRA Special - New Money | |
| 1.66% | $1k | - | 48 Month IRA | |
| 1.26% | $1k | - | 36 Month IRA | |
| 1.25% | $50k | - | Jumbo 18 Month IRA Special - New Money | |
| 1.25% | $50k | - | Jumbo 24 Month IRA | |
| 1.11% | $50k | - | Jumbo 36 Month IRA Special - Existing Funds | |
| 1.06% | $50k | - | Jumbo 12 Month IRA | |
| 1.06% | $1k | - | 24 Month IRA | |
| 0.95% | $1k | - | 18 Month IRA | |
| 0.85% | $1k | - | 12 Month IRA | |
| 0.80% | $50k | - | Jumbo 18 Month IRA Special - Existing Funds | |
| 0.75% | $50k | - | Jumbo 6 Month IRA | |
| 0.55% | $1k | - | 6 Month IRA |
| Texas Bay Credit Union Locations | ||
|---|---|---|
| Branch Office | 2955 Gulf Fwy S | League City, TX 77573 |
| Branch Office | 12611 Fuqua St | Houston, TX 77034 |
| Branch Office | 1301 W Pasadena Fwy | Pasadena, TX 77506 |
| Branch Office | 12310 W Lake Houston Parkway | Houston, TX 77044 |
| Branch Office | 1300 W Pasadena Fwy | Pasadena, TX 77506 |
| Branch Office | 15245 Wallisville Rd | Houston, TX 77049 |
| Branch Office | 4747 FM 1463 Rd # 1000 | Katy, TX 77494-5438 |
| Branch Office | 9212 Fry Road # 100 | Cypress, TX 77433 |