Texas Bay Credit Union


Overview / Commentary
713-999-4152
12611 Fuqua St
Houston, TX 77034

Texas Bay Credit Union is headquartered in Houston and is the 51st largest credit union in the state of Texas. It is also the 620th largest credit union in the nation. It was established in 1936 and as of December of 2020, it had grown to 149 employees and 48,459 members at 10 locations. Texas Bay Credit Union 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 Fort Bend County, Texas. Also eligible for memberships include 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

Good Credit Union

Posted by: |

I became a member in 2015 when I financed my car. I only had one incident with them and I was given the wrong information when I refinanced my new car in 2017. I was pretty upset that they didn't take ownership on the information that was given to me, I felt like they could have done a better job at handling that situation. Normally I would stop doing business if I received bad customer service, however out of the 4 years I have been with this credit union that was the only bad experience. Every time I call or go up to the a branch I always get great customer service and that is a plus for me.

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.

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.

Not Will To Help

Posted by: |

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.......

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Health

Health Grade Components

Overall
NCUA #67465
Year Chartered1936
Employees149
Primary Regulator
Profit Margin
Return on Assets - YTD0.35%
Return on Equity - YTD3.66%
Annual Interest Income$23.6MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$537.7MM$501.8MM
LoansQ4 2020vs Q4 2019$390.8MM$400.7MM
DepositsQ4 2020vs Q4 2019$455.8MM$414.7MM
Equity CapitalQ4 2020vs Q4 2019$51.9MM$50.0MM
Loan Loss AllowanceQ4 2020vs Q4 2019$4.6MM$5.0MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$4.3MM$4.8MM
Real Estate OwnedQ4 2020vs Q4 2019$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.08%*$100k*-IRA Deposit Account
OTHER TIERS: 0.05% $100 - $50k | 0.07% $50k - $100k
0.05%*$150k*-Share Account
OTHER TIERS: 0.03% $100 - $50k | 0.04% $50k - $150k
0.05%*$150k*-Christmas Club
OTHER TIERS: 0.03% $100 - $50k | 0.04% $50k - $150k
0.04%*$100k*-Business Share Account
OTHER TIERS: 0.03% $250 - $100k

Texas Bay Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.08%*$100k*-Bonus Money Fund
OTHER TIERS: 0.05% $100 - $50k | 0.07% $50k - $100k
0.05%*$100k*-Business Money Fund
OTHER TIERS: 0.04% $500 - $100k

Texas Bay Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.06%*$200k*-Share Drafts
OTHER TIERS: 0.02% $250 - $50k | 0.03% $50k - $100k | 0.04% $100k - $150k | 0.05% $150k - $200k
0.06%*$200k*-Premium Checking
OTHER TIERS: 0.02% $1.5k - $50k | 0.03% $50k - $100k | 0.04% $100k - $150k | 0.05% $150k - $200k
0.04%*$100k*-Simply Plus Business Checking
OTHER TIERS: 0.03% $1k - $100k
0.02%$250-Regular Checking
0.02%$250-50+ Checking
0.02%$250-Simply+ Checking

Texas Bay Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%*$50k*-60 Month CD
OTHER TIERS: 0.50% $1k - $50k
0.45%*$50k*-48 - 59 Month CD
OTHER TIERS: 0.40% $1k - $50k
0.33%*$50k*-36 - 47 Month CD
OTHER TIERS: 0.30% $1k - $50k
0.28%*$50k*-24 - 35 Month CD
OTHER TIERS: 0.25% $1k - $50k
0.21%*$50k*-18 - 23 Month CD
OTHER TIERS: 0.18% $1k - $50k
0.16%*$50k*-12 - 17 Month CD
OTHER TIERS: 0.13% $1k - $50k
0.13%*$50k*-6 - 11 Month CD
OTHER TIERS: 0.10% $1k - $50k
0.10%$1k-12 Month Payroll Growth CD
0.10%$100-12 Month Save to Win CD

Texas Bay Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%*$50k*-60 Month IRA
OTHER TIERS: 0.50% $1k - $50k
0.45%*$50k*-48 - 59 Month IRA
OTHER TIERS: 0.40% $1k - $50k
0.33%*$50k*-36 - 47 Month IRA
OTHER TIERS: 0.30% $1k - $50k
0.28%*$50k*-24 - 35 Month IRA
OTHER TIERS: 0.25% $1k - $50k
0.21%*$50k*-18 - 23 Month IRA
OTHER TIERS: 0.18% $1k - $50k
0.16%*$50k*-12 - 17 Month IRA
OTHER TIERS: 0.13% $1k - $50k
0.13%*$50k*-6 - 11 Month IRA
OTHER TIERS: 0.10% $1k - $50k
Locations


Cities: Cypress, Houston, Katy, League City, Pasadena, Pearland, Richmond

Cypress Branches
Branch Office9212 Fry Road # 100Cypress, TX 77433

Houston Branches
Branch Office12611 Fuqua StHouston, TX 77034
Branch Office12310 W Lake Houston ParkwayHouston, TX 77044
Branch Office15763 Wallisville RdHouston, TX 77049

Katy Branches
Branch Office4747 FM 1463 Rd Ste 1000Katy, TX 77494

League City Branches
Branch Office2955 Gulf Fwy SLeague City, TX 77573
Branch Office6640 S. Shore Blvd Suite 100League City, TX 77573

Pasadena Branches
Branch Office1301 W Pasadena FwyPasadena, TX 77506

Pearland Branches
Branch Office11555 Magnolia Parkway Suite 170Pearland, TX 77584

Richmond Branches
Branch Office18320 W Airport Blv Suite 100Richmond, TX 77407

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