Overview / Commentary
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 618th largest credit union in the nation. It was established in 1936 and as of December of 2018, it had grown to 134 employees and 44,553 members at 8 locations. Texas Bay Credit Union's money market rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Texas Bay Credit Union is open to those who live, work, worship, or attend school in specific geographic areas of Houston, Texas (FM 1960, Hwy 146, and Hwy 6), or within a 10 mile radius of a branch. Employees of more than 90 SEGs, including several large petrochemical companies, also qualify for membership.
See current membership details

Related Posts

Texas Bay Credit Union Boosts 60-Month Jumbo CD Rate - 8/25/2018

Texas Bay Credit Union (Houston area) has raised the rates on its 60-month Jumbo Share Certificate (3.56% APY, $50k) and 60-month Share Certificate (3.35% APY, $1k).

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Reviews (7)

Love This CU!

I love Texas Bay! They have always been there for me when I’ve been down on my luck. They’ve given me second chances on my loans and have worked with me when my husband got sick and couldn’t work. They go above and beyond for you, you just have to be honest. They also have really good rates.

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!!!!!!!


Posted by: Anonymous | Sep 20, 2012


Hidden fees

I have accounts at tbacu that I like to forget about. It is almost a safety net of money. But I realized that they were charging me fees for not making any actions. I had multiple of these fees add up because I was not paying attention. Thry told me all I have to do is log in into my account to get these fees to stop. So now I have an alarm every six months to log into the web site so I no longer get these inactive fees. Luckily they waived the previous fees that I had gotten but it's just a pain to always have to log in.


If I could rate this banking institution a -1,000 I would, it is THAT BAD. Charges under $5 are always getting taken out, when you call customer services they are as clueless about it as you are. They can NEVER provide you with a solid answer or solution to your issues. It is always stories and excuses as to why things aren't working how they should. My online banking is not up to date, over the phone they tell me about several of charges that do not appear on my online banking. Then when I ask why isn't it real time update (with other banks they show pending AND cleared charges), they want to give me a story on how they were looking at their screen wrong, how they were "interpreting the numbers" without ever answering my question. I am constantly having issues with my card, I have never been able to do a transaction online or handle any payments. When I call about it they feed me nonsense saying they have to "force my card to work" on their end WHICH IT SHOULD BE WORKING FROM THE GET GO. They have to allow it to do the purchase or they were doing a system update which is why my card didn't work. I don't know in what century they think they are doing business in but their "update" shouldn't delay my card from working nor should I have to call them every single time so they can allow for me to do an online transaction. This banking institution is the WORSE . I DO NOT RECOMMEND.

Worst Customer Service!!!

Posted by: Mmuniz85 | Jul 25, 2017

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!

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


Health Grade Components

NCUA #67465
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD0.6%
Return on Equity - YTD5.6%
Annual Interest Income$23.3MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$442.7MM$438.2MM
LoansQ4 2018vs Q4 2017$371.1MM$355.7MM
DepositsQ4 2018vs Q4 2017$360.1MM$346.1MM
Equity CapitalQ4 2018vs Q4 2017$47.7MM$45.0MM
Loan Loss AllowanceQ4 2018vs Q4 2017$5.3MM$3.8MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$5.5MM$6.4MM
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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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

1.26%*$200k*-IRA Deposit Account
OTHER TIERS: 0.25% $100 - $5k | 0.30% $5k - $20k | 0.50% $20k - $50k | 0.60% $50k - $100k | 0.90% $100k - $150k | 1.16% $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

1.26%*$200k*-Bonus Money Fund
OTHER TIERS: 0.25% $100 - $5k | 0.30% $5k - $20k | 0.50% $20k - $50k | 0.60% $50k - $100k | 0.90% $100k - $150k | 1.16% $150k - $200k
0.05%*$100k*-Business Money Fund
OTHER TIERS: 0.04% $500 - $100k

Texas Bay Credit Union Checking Account Rates

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% $1.5k - $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

3.56%$50k-60 Month Jumbo CD
3.35%$1k-60 Month CD
3.04%$50k-48 Month Jumbo CD
2.94%$50k-36 Month Jumbo CD Special - New Money
2.84%$50k-24 Month Jumbo CD Special - New Money
2.84%$1k-48 Month CD
2.73%$1k-36 Month CD
2.68%$50k-18 Month Jumbo CD
2.63%$1k-24 Month CD
2.48%$1k-18 Month CD
2.48%$50k-12 Month Jumbo CD
2.27%$1k-12 Month CD
1.41%$50k-6 Month Jumbo CD
1.26%$1k-12 Month Payroll Growth CD
1.21%$1k-6 Month CD

Texas Bay Credit Union IRA Rates

3.56%$50k-60 Month Jumbo IRA
3.35%$1k-60 Month IRA
3.04%$50k-48 Month Jumbo IRA
2.94%$50k-36 Month Jumbo IRA Special - New Money
2.84%$50k-24 Month Jumbo IRA Special - New Money
2.84%$1k-48 Month IRA
2.73%$1k-36 Month IRA
2.68%$50k-18 Month Jumbo IRA
2.63%$1k-24 Month IRA
2.48%$50k-12 Month Jumbo IRA
2.48%$1k-18 Month IRA
2.27%$1k-12 Month IRA
1.41%$50k-6 Month Jumbo IRA
1.21%$1k-6 Month IRA

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 Office15245 Wallisville RdHouston, TX 77049
Branch Office4747 FM 1463 Rd # 1000Katy, TX 77494
Branch Office9212 Fry Road # 100Cypress, TX 77433
Branch Office18320 W Airport Blv Suite 100Richmond, TX 77407

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