|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Texas Bay Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 12, 2026
Texas Bay Credit Union's CDs (i) (Including IRA CDs) - 48 to 59 month rates are at 3.95%, CDs (i) (Including IRA CDs) - 60 month rates are at 3.95%, CDs (i) (Including IRA CDs) - 24 to 35 month rates are at 3.85%, CDs (i) (Including IRA CDs) - 36 to 47 month rates are at 3.85%, CDs (i) (Including IRA CDs) - 18 to 23 month rates are at 3.75%. Texas Bay Credit Union's Personal Loan Rates are as low as 10.49%. Texas Bay Credit Union's Credit Card Rates are at 18.00%. MonitorBankRates evaluates the financial stability of Texas Bay Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.55%. Rates last updated and verified on 09/12/2026. Texas Bay Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Texas Bay Credit Union? Share your experience about Texas Bay Credit Union by leaving a review below, or read customer reviews before you decide to use Texas Bay Credit Union. 
Texas Bay Credit Union CD Rates
Texas Bay Credit Union Savings Rates
Texas Bay Credit Union Checking Rates
Texas Bay Credit Union Home Equity & HELOC
Texas Bay Credit Union Auto Loan Rates
Texas Bay Credit Union RV, Boat and Powersport Loan Rates
Texas Bay Credit Union Credit Card Rates
Texas Bay Credit Union Personal Loan Rates
Texas Bay Credit Union Other Rates
Financial Health HistoryTexas Bay Credit Union’s Texas Ratio fell from 8.77% in Q2 2023 to 5.55% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Texas Bay Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Texas Bay Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Texas Bay Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Texas Bay Credit Union
Website
https://www.texasbaycu.org
Address
12611 Fuqua St,
Houston, TX 77034
Phone
713-852-6700
Fax
281-464-9230
President
Rudy Wright
CEO
Jesse Gutierrez
Full-Time Employees
178
Part-Time Employees
8
Branch Locations
9
ATM Locations
9
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.55%
Return on Assets (ROA)
0.0431%
Return on Equity (ROE)
0.5622%
Non-Performing Loans Ratio (NPL)
0.64%
Total Assets
902,238,632
Total Amount of Shares and Deposits
758,625,706
Total Shares and Deposits < 1 Year
575,777,176
Total Shares and Deposits 1 3 Years
164,354,396
Total Shares and Deposits > 3 Years
18,494,135
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
60,476,523
Total Uninsured Shares and Deposits > $250K (F+J)
60,476,523
Total Insured Shares and Deposits > $250K (item 17 less item K)
698,149,183
Total Interest Expense (Sum of items 6 8)
4,990,147
Share Certificates
4,877
Number of Accounts for Share Drafts
31,158
IRA KEOGH Accounts
1,270
Number of Accounts for Regular Shares
51,570
All other shares
1,097
Non Member Deposits
8
Money Market Shares
1,249
Net Income (unless the amount is already included in Undivided Earnings)
388,937
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
51,735,471
Total Liabilities
839,799,475
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Texas Bay Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Texas Bay Credit Union
Frequently Asked Questions About Texas Bay Credit UnionHow many branches does Texas Bay Credit Union operate?Texas Bay Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Texas Bay Credit Union?Yes, to access services at Texas Bay Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Texas Bay Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Texas Bay Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Texas Bay Credit Union offer online and mobile banking?Most modern institutions like Texas Bay Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.texasbaycu.org. Current Texas Bay Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Franklin Somerset Federal Credit Union
WEA Credit Union
Fresno Grangers Federal Credit Union
Navigant Credit Union
Flagship Community Federal Credit Union
OAHE
Messiah Baptist Church Federal Credit Union
SAINT LAWRENCE
Everwise Credit Union
GBTCU Greensburg Teachers Credit Union
Family First Credit Union
Elite Community Credit Union
Chiropractic Federal Credit Union
First Harvest Federal Credit Union
4U Federal Credit Union
Tex Mex Credit Union
Pennsylvania American Water Federal Credit Union
Northwest Arkansas Federal Credit Union
Beacon Credit Union
Evansville Firefighters Federal Credit Union
CenLA Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking