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Texas Bay Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.76%Reward CheckingMember Advantage
1.82% - National Average
1.56%5-year CD60 Month CD
2.35% - Synchrony Bank 60 Month CDAdvertisement
0.50%1-year CD12 Month CD
1.50% - Ally Bank No Penalty 11-Month CDAdvertisement
View all Texas Bay Credit Union rates »

Overview / Commentary
www.tbacu.org
713-852-6700
12611 Fuqua St
Houston, TX 77034

Texas Bay Credit Union is headquartered in Houston and is the 52nd largest credit union in the state of Texas. It is also the 611th largest credit union in the nation. It was established in 1936 and as of March of 2017, it had grown to 124 employees and 39,102 members at 7 locations. Texas Bay Credit Union 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

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Reviews (3)

Love This Bank.

Posted by: Alice Maldonado | Nov 2, 2015

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!!!!!!!

1

GOOD BANK AND GOOD SERVICE

Posted by: Anonymous | Sep 20, 2012

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.

2

Scary Experience!

Posted by: markehrens | May 5, 2016

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

2


Health
A

Data as of Q1 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #67465
Year Chartered1936
Employees124
Primary Regulator
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD5.72%
Annual Interest Income$5.1MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$421.0MM$372.4MM
LoansQ1 2017vs Q1 2016$343.1MM$279.9MM
DepositsQ1 2017vs Q1 2016$339.5MM$304.3MM
Equity CapitalQ1 2017vs Q1 2016$41.1MM$38.0MM
Loan Loss AllowanceQ1 2017vs Q1 2016$3.1MM$2.2MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$3.8MM$3.5MM
Real Estate OwnedQ1 2017vs Q1 2016$0$0
Rates
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* 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

APYMINMAXACCOUNT NAMEVIEW 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
0.12%*$200k*-Business Share Account
OTHER TIERS: 0.06% → $100 - $50k | 0.07% → $50k - $100k | 0.08% → $100k - $150k | 0.10% → $150k - $200k

Texas Bay Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW 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
0.25%*$200k*-Business Bonus Money Fund
OTHER TIERS: 0.10% → $500 - $5k | 0.12% → $5k - $20k | 0.13% → $20k - $50k | 0.15% → $50k - $100k | 0.17% → $100k - $150k | 0.19% → $150k - $200k

Texas Bay Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%*-$15kMember Advantage
OTHER TIERS: 0.15% → $15k+
0.05%*$100k*-Premium Checking
OTHER TIERS: 0.04% → $250 - $100k
0.03%$250-Regular Checking
0.03%$250-50+ Checking
0.03%$250-Simply+ Checking

Texas Bay Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%$50k-Jumbo 60 Month CD
1.65%$50k-Jumbo 36 Month CD Special
1.56%$1k-60 Month CD
1.51%$50k-Jumbo 48 Month CD
1.31%$1k-48 Month CD
1.16%$50k-Jumbo 18 Month CD Special
0.90%$50k-Jumbo 24 Month CD
0.90%$1k-36 Month CD
0.70%$1k-24 Month CD
0.70%$50k-Jumbo 12 Month CD
0.60%$1k-18 Month CD
0.60%$50k-Jumbo 6 Month CD
0.50%$1k-12 Month CD
0.40%$1k-6 Month CD
0.30%$1k-12 Month Payroll Growth CD

Texas Bay Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%$50k-Jumbo 60 Month IRA
1.76%$50k-Jumbo 60 Month CESA
1.65%$50k-Jumbo 36 Month IRA Special
1.65%$50k-Jumbo 36 Month CESA Special
1.56%$1k-60 Month IRA
1.56%$1k-60 Month CESA
1.51%$50k-Jumbo 48 Month IRA
1.51%$50k-Jumbo 48 Month CESA
1.31%$1k-48 Month IRA
1.31%$1k-48 Month CESA
1.16%$50k-Jumbo 18 Month IRA Special
1.16%$50k-Jumbo 18 Month CESA Special
0.90%$50k-Jumbo 24 Month IRA
0.90%$1k-36 Month IRA
0.90%$50k-Jumbo 24 Month CESA
0.90%$1k-36 Month CESA
0.70%$50k-Jumbo 12 Month IRA
0.70%$1k-24 Month IRA
0.70%$50k-Jumbo 12 Month CESA
0.70%$1k-24 Month CESA
0.60%$50k-Jumbo 6 Month IRA
0.60%$1k-18 Month IRA
0.60%$50k-Jumbo 6 Month CESA
0.60%$1k-18 Month CESA
0.50%$1k-12 Month IRA
0.50%$1k-12 Month CESA
0.40%$1k-6 Month IRA
0.40%$1k-6 Month CESA
Locations


Texas Bay Credit Union Locations
Branch Office2955 Gulf Fwy SLeague City, TX 77573
Branch Office12611 Fuqua StHouston, TX 77034
Branch Office1301 W Pasadena FwyPasadena, TX 77506
Branch Office12310 W Lake Houston ParkwayHouston, TX 77044
Branch Office1300 W Pasadena FwyPasadena, TX 77506
Branch Office15245 Wallisville RdHouston, TX 77049
Branch Office4747 FM 1463 Rd # 1000Katy, TX 77494-5438