Texas Bay Credit Union

Overview / Commentary
12611 Fuqua St
Houston, TX 77034

Texas Bay Credit Union is headquartered in Houston and is the 50th largest credit union in the state of Texas. It is also the 602nd largest credit union in the nation. It was established in 1936 and as of September of 2020, it had grown to 148 employees and 47,805 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

Reviews (8)

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.

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: |


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: |

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: |

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 - YTD0.24%
Return on Equity - YTD2.58%
Annual Interest Income$17.9MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$543.5MM$509.8MM
LoansQ3 2020vs Q3 2019$389.7MM$395.9MM
DepositsQ3 2020vs Q3 2019$455.9MM$419.9MM
Equity CapitalQ3 2020vs Q3 2019$50.9MM$49.6MM
Loan Loss AllowanceQ3 2020vs Q3 2019$4.7MM$4.8MM
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$3.8MM$4.6MM
Real Estate OwnedQ3 2020vs Q3 2019$105.00K$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

0.10%*$200k*-IRA Deposit Account
OTHER TIERS: 0.05% $100 - $50k | 0.07% $50k - $100k | 0.08% $100k - $150k | 0.09% $150k - $200k
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

0.10%*$200k*-Bonus Money Fund
OTHER TIERS: 0.05% $100 - $50k | 0.07% $50k - $100k | 0.08% $100k - $150k | 0.09% $150k - $200k
0.05%*$100k*-Business Money Fund
OTHER TIERS: 0.04% $500 - $100k

Texas Bay Credit Union Checking Account Rates

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

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
0.40%*$50k*-36 - 47 Month CD
OTHER TIERS: 0.35% $1k - $50k
0.35%*$50k*-24 - 35 Month CD
OTHER TIERS: 0.30% $1k - $50k
0.26%*$50k*-18 - 23 Month CD
OTHER TIERS: 0.21% $1k - $50k
0.21%*$50k*-12 - 17 Month CD
OTHER TIERS: 0.16% $1k - $50k
0.16%*$50k*-6 - 11 Month CD
OTHER TIERS: 0.11% $1k - $50k
0.11%$1k-12 Month Payroll Growth CD

Texas Bay Credit Union IRA Rates

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
0.40%*$50k*-36 - 47 Month IRA
OTHER TIERS: 0.35% $1k - $50k
0.35%*$50k*-24 - 35 Month IRA
OTHER TIERS: 0.30% $1k - $50k
0.26%*$50k*-18 - 23 Month IRA
OTHER TIERS: 0.21% $1k - $50k
0.21%*$50k*-12 - 17 Month IRA
OTHER TIERS: 0.16% $1k - $50k
0.16%*$50k*-6 - 11 Month IRA
OTHER TIERS: 0.11% $1k - $50k

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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