Texas Bay Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

texasbaycu.org

713-999-4152

12611 Fuqua St
Houston, TX 77034

Texas Bay Credit Union is headquartered in Houston and is the 43^rd largest credit union in the state of Texas. It is also the 504^th largest credit union in the nation. It was established in 1936 and as of December of 2024, it had grown to 171 employees and 58,306 members at 9 locations. Texas Bay Credit Union's money market rates are 7X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Texas Bay Credit Union is open to those who live, work, worship, or attend school in the Texas counties of Brazoria, Chambers, Fort Bend, Galveston, Harris, Liberty, Montgomery, or Waller. Employees of more than 90 SEGs, including several large petrochemical companies, also qualify for membership.
See current membership details

Reviews (1)

Write a Review

Not Will To Help

Posted by: catookie | Mar 18, 2021

Money was accidentally taken out of my shared branch account and when it was explained to the branch manger at the West lake branch what happened she was unwilling to reverse the money back into my account. Knowing what happened she stated it would have to be investigated without having a police report for what when you know what happened needless to as a special trip had to be made to the bank to withdraw the money and redeposit into the shared branch account that it was accidentally taken from.......

Comment

Health

B+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #	67465
Year Chartered	1936
Employees	171
Primary Regulator

Profit Margin
Return on Assets - YTD	0.22%
Return on Equity - YTD	2.92%
Annual Interest Income	$50.6MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$854.2MM$707.1MM
Loans	Q4 2024vs Q4 2023	$614.2MM$567MM
Deposits	Q4 2024vs Q4 2023	$706.4MM$544MM
Equity Capital	Q4 2024vs Q4 2023	$63.1MM$63.3MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$5.2MM$6.3MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$6.7MM$9MM
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
3.04%^*	$500k^*	-	Share Account
OTHER TIERS: 0.03% → $100 - $50k \| 0.25% → $50k - $100k \| 0.40% → $100k - $150k \| 0.55% → $150k - $200k \| 1.00% → $200k - $300k \| 1.26% → $300k - $500k
3.04%^*	$500k^*	-	Christmas Club
OTHER TIERS: 0.03% → $100 - $50k \| 0.25% → $50k - $100k \| 0.40% → $100k - $150k \| 0.55% → $150k - $200k \| 1.00% → $200k - $300k \| 1.26% → $300k - $500k
1.51%^*	$700k^*	-	Business Share Account
OTHER TIERS: 0.05% → $1k - $50k \| 0.20% → $50k - $300k \| 0.50% → $300k - $500k \| 1.26% → $500k - $700k

Texas Bay Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
3.04%^*	$500k^*	-	Bonus Money Fund
OTHER TIERS: 0.05% → $100 - $50k \| 0.40% → $50k - $100k \| 0.55% → $100k - $150k \| 0.75% → $150k - $200k \| 1.26% → $200k - $300k \| 1.76% → $300k - $500k
2.53%^*	$700k^*	-	Business Money Fund
OTHER TIERS: 0.08% → $1k - $50k \| 0.30% → $50k - $300k \| 0.75% → $300k - $500k \| 1.51% → $500k - $700k

Texas Bay Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%^*	$700k^*	-	Commercial Checking
OTHER TIERS: 0.05% → $1k - $50k \| 0.10% → $50k - $300k \| 0.35% → $300k - $500k \| 1.00% → $500k - $700k
1.00%^*	$700k^*	-	Simply Plus Business Checking
OTHER TIERS: 0.05% → $1k - $50k \| 0.10% → $50k - $300k \| 0.25% → $300k - $500k \| 0.75% → $500k - $700k
0.15%^*	$200k^*	-	Premium Perk Checking
OTHER TIERS: 0.02% → $2.5k - $50k \| 0.05% → $50k - $100k \| 0.08% → $100k - $150k \| 0.13% → $150k - $200k

Texas Bay Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.28%^*	$50k^*	-	6 - 11 Month CD
OTHER TIERS: 3.97% → $1k - $50k
4.18%	$50k	-	24 Month Callable CD Special
4.07%^*	$50k^*	-	12 - 17 Month CD
OTHER TIERS: 3.76% → $1k - $50k
3.97%	$100	-	12 Month Save to Win CD
3.87%^*	$50k^*	-	18 - 23 Month CD
OTHER TIERS: 3.56% → $1k - $50k
3.87%^*	$50k^*	-	24 - 35 Month CD
OTHER TIERS: 3.56% → $1k - $50k
3.87%	$50k	-	60 Month Callable CD Special
3.66%^*	$50k^*	-	36 - 47 Month CD
OTHER TIERS: 3.35% → $1k - $50k
3.45%^*	$50k^*	-	48 - 59 Month CD
OTHER TIERS: 3.14% → $1k - $50k
3.35%^*	$50k^*	-	60 Month CD
OTHER TIERS: 3.04% → $1k - $50k

Texas Bay Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.28%^*	$50k^*	-	6 - 11 Month IRA
OTHER TIERS: 3.97% → $1k - $50k
4.07%^*	$50k^*	-	12 - 17 Month IRA
OTHER TIERS: 3.76% → $1k - $50k
3.87%^*	$50k^*	-	18 - 23 Month IRA
OTHER TIERS: 3.56% → $1k - $50k
3.87%^*	$50k^*	-	24 - 35 Month IRA
OTHER TIERS: 3.56% → $1k - $50k
3.66%^*	$50k^*	-	36 - 47 Month IRA
OTHER TIERS: 3.35% → $1k - $50k
3.45%^*	$50k^*	-	48 - 59 Month IRA
OTHER TIERS: 3.14% → $1k - $50k
3.35%^*	$50k^*	-	60 Month IRA
OTHER TIERS: 3.04% → $1k - $50k
3.04%^*	$500k^*	-	IRA Deposit Account
OTHER TIERS: 0.05% → $100 - $50k \| 0.40% → $50k - $100k \| 0.55% → $100k - $150k \| 0.75% → $150k - $200k \| 1.26% → $200k - $300k \| 1.76% → $300k - $500k

Locations

Texas Bay Credit Union Locations
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	4747 FM 1463 Rd Ste 1000	Katy, TX 77494
Branch Office	9212 Fry Road # 100	Cypress, TX 77433
Branch Office	18320 W Airport Blv Suite 100	Richmond, TX 77407
Branch Office	15763 Wallisville Rd	Houston, TX 77049
Branch Office	11555 Magnolia Parkway Suite 170	Pearland, TX 77584
Branch Office	6640 S. Shore Blvd Suite 100	League City, TX 77573

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