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.
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
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.
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.
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.
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.......
Overall | |
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NCUA # | 67465 |
Year Chartered | 1936 |
Employees | 149 |
Primary Regulator |
Profit Margin | |
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Return on Assets - YTD | 0.35% |
Return on Equity - YTD | 3.66% |
Annual Interest Income | $23.6MM |
Assets and Liabilities | ||
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Assets | Q4 2020vs Q4 2019 | $537.7MM$501.8MM |
Loans | Q4 2020vs Q4 2019 | $390.8MM$400.7MM |
Deposits | Q4 2020vs Q4 2019 | $455.8MM$414.7MM |
Equity Capital | Q4 2020vs Q4 2019 | $51.9MM$50.0MM |
Loan Loss Allowance | Q4 2020vs Q4 2019 | $4.6MM$5.0MM |
Unbacked Noncurrent Loans | Q4 2020vs Q4 2019 | $4.3MM$4.8MM |
Real Estate Owned | Q4 2020vs Q4 2019 | $0$0 |
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.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
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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 |
Cypress Branches | ||
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Branch Office | 9212 Fry Road # 100 | Cypress, TX 77433 |
Houston Branches | ||
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Branch Office | 12611 Fuqua St | Houston, TX 77034 |
Branch Office | 12310 W Lake Houston Parkway | Houston, TX 77044 |
Branch Office | 15763 Wallisville Rd | Houston, TX 77049 |
Katy Branches | ||
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Branch Office | 4747 FM 1463 Rd Ste 1000 | Katy, TX 77494 |
League City Branches | ||
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Branch Office | 2955 Gulf Fwy S | League City, TX 77573 |
Branch Office | 6640 S. Shore Blvd Suite 100 | League City, TX 77573 |
Pasadena Branches | ||
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Branch Office | 1301 W Pasadena Fwy | Pasadena, TX 77506 |
Pearland Branches | ||
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Branch Office | 11555 Magnolia Parkway Suite 170 | Pearland, TX 77584 |
Richmond Branches | ||
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Branch Office | 18320 W Airport Blv Suite 100 | Richmond, TX 77407 |