Texas Bay Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 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

up to $300

Our Rating

4.2 / 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 511^th largest credit union in the nation. It was established in 1936 and as of March of 2025, it had grown to 174 employees and 59,580 members at 9 locations. Texas Bay Credit Union's money market rates are 6X 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 Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	67465
Year Chartered	1936
Employees	174
Primary Regulator

Profit Margin
Return on Assets - YTD	0.47%
Return on Equity - YTD	6.97%
Annual Interest Income	$13MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$869.3MM$766.2MM
Loans	Q1 2025vs Q1 2024	$641.9MM$561.4MM
Deposits	Q1 2025vs Q1 2024	$729.6MM$614.8MM
Equity Capital	Q1 2025vs Q1 2024	$58.5MM$62.3MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$10.8MM$6.2MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$5.7MM$7.6MM
Real Estate Owned	Q1 2025vs Q1 2024	$105K$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 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

up to $300

Our Rating

4.2 / 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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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
2.53%^*	$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
2.53%^*	$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
2.53%^*	$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 \| 1.51% → $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% → $250 - $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 Flex 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
2.53%^*	$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 \| 1.51% → $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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