What are the current interest rates at Texas Bay Credit Union?

Current rates for Texas Bay Credit Union include: 12-Month CD: 3.65%, 18-Month CD: 3.70%, 24-Month CD: 3.75%, 60-Month CD: 3.75%

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Texas Bay Credit Union

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Texas Bay Credit Union Rates & Review October 2026

Q: How 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Texas Bay Credit Union's top rates as of October 14, 2026 are 4.50% APY on its 60 Month Callable CD, 1.51% APY on checking, personal loans from 10.49% APR, and credit cards from 17.25% APR, according to rates verified by MonitorBankRates. Other Texas Bay Credit Union CD rates include 24 Month Callable CD at 4.20%, 36 - 47 Month CD at 4.00%, and 24 - 35 Month CD at 3.95%. 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 5.06%. Rates last updated and verified on 10/14/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.06%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Texas Bay Credit Union
Main

12611 Fuqua St
Houston, TX 77034

https://www.texasbaycu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Texas Bay Credit Union CD Rates

Product	Rate	APY	Term
60 Month Callable CD	-	4.50%	60 Months
Min Balance $50,000 Details Callable CD: may be redeemed by the credit union at its option, not in the first 90 days; minimum to open $50,000 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
24 Month Callable CD	-	4.20%	24 Months
Min Balance $50,000 Details Callable CD: may be redeemed by the credit union at its option, not in the first 90 days; minimum to open $50,000 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
36 - 47 Month Share Certificate	-	4.00%	36 to 47 Months
Min Balance $50,000 Details Balance tier: $50,000.00 and up; Jumbo Share Certificate minimum $50,000 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85% Oct 14, 20264.00%▲ from 3.85% Sep 18, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
24 - 35 Month Share Certificate	-	3.95%	24 to 35 Months
Min Balance $50,000 Details Balance tier: $50,000.00 and up; Jumbo Share Certificate minimum $50,000 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.85% → 3.95% ▲ 0.10 pts · high 3.95% / low 3.85% Oct 14, 20263.95%▲ from 3.85% Sep 18, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
18 - 23 Month Share Certificate	-	3.90%	18 to 23 Months
Min Balance $50,000 Details Balance tier: $50,000.00 and up; Jumbo Share Certificate minimum $50,000 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75% Oct 14, 20263.90%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
48 - 59 Month Share Certificate	-	3.90%	48 to 59 Months
Min Balance $50,000 Details Balance tier: $50,000.00 and up; Jumbo Share Certificate minimum $50,000 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.95% → 3.90% ▼ 0.05 pts · high 3.95% / low 3.90% Oct 14, 20263.90%▼ from 3.95% Sep 18, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
60 Month Share Certificate	-	3.90%	60 Months
Min Balance $50,000 Details Balance tier: $50,000.00 and up; Jumbo Share Certificate minimum $50,000 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.95% → 3.90% ▼ 0.05 pts · high 3.95% / low 3.90% Oct 14, 20263.90%▼ from 3.95% Sep 18, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
12 - 17 Month Share Certificate	-	3.85%	12 to 17 Months
Min Balance $50,000 Details Balance tier: $50,000.00 and up; Jumbo Share Certificate minimum $50,000 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65% Oct 14, 20263.85%▲ from 3.65% Sep 18, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
36 - 47 Month Share Certificate	-	3.85%	36 to 47 Months
Min Deposit $1,000 Details Balance tier: $1,000.00 to open Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70% Oct 14, 20263.85%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
24 - 35 Month Share Certificate	-	3.80%	24 to 35 Months
Min Deposit $1,000 Details Balance tier: $1,000.00 to open Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70% Oct 14, 20263.80%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
6 - 11 Month Share Certificate	-	3.80%	6 to 11 Months
Min Balance $50,000 Details Balance tier: $50,000.00 and up; Jumbo Share Certificate minimum $50,000 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55% Oct 14, 20263.80%▲ from 3.55% Sep 18, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
18 - 23 Month Share Certificate	-	3.75%	18 to 23 Months
Min Deposit $1,000 Details Balance tier: $1,000.00 to open Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55% Oct 14, 20263.75%▲ from 3.55% Sep 18, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
48 - 59 Month Share Certificate	-	3.75%	48 to 59 Months
Min Deposit $1,000 Details Balance tier: $1,000.00 to open Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
6 Month Callable CD	-	3.75%	6 Months
Min Balance $1,000,000 Details Callable CD: may be redeemed by the credit union at its option, not in the first 90 days; minimum to open $50,000 per footnote c; Balance tier: $1,000,000.00 and up Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
60 Month Share Certificate	-	3.75%	60 Months
Min Deposit $1,000 Details Balance tier: $1,000.00 to open Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
12 - 17 Month Share Certificate	-	3.70%	12 to 17 Months
Min Deposit $1,000 Details Balance tier: $1,000.00 to open Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45% Oct 14, 20263.70%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
12 month Flex CD	-	3.70%	12 months
Min Deposit $100 Details $100 minimum to open; Requires ACH deposit; Flex CD (12 month) per footnote Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
6 - 11 Month Share Certificate	-	3.65%	6 to 11 Months
Min Deposit $1,000 Details Balance tier: $1,000.00 to open Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.35% → 3.65% ▲ 0.30 pts · high 3.65% / low 3.35% Oct 14, 20263.65%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%

Texas Bay Credit Union Savings Rates

Product	Rate	APY
Christmas Club	-	2.27%
Min Balance $500,000 Details Balance: $500,000 to $999,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Christmas Club	-	2.27%
Min Balance $1,000,000 Details Balance: $1,000,000 and up Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Christmas Club	-	1.00%
Min Balance $300,000 Details Balance: $300,000 to $499,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Christmas Club	-	0.75%
Min Balance $200,000 Details Balance: $200,000 to $299,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Christmas Club	-	0.45%
Min Balance $150,000 Details Balance: $150,000 to $199,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Christmas Club	-	0.28%
Min Balance $100,000 Details Balance: $100,000 to $149,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.28% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Christmas Club	-	0.12%
Min Balance $50,000 Details Balance: $50K to $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.12% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Christmas Club	-	0.03%
Min Balance $100 Details Balance: $100 to $4,999.99; Minimum average daily balance of $100.00 is required to earn any dividends for share accounts Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Christmas Club	-	0.03%
Min Balance $5,000 Details Balance: $5K to $19,999.99 Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 0.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Christmas Club	-	0.03%
Min Balance $20,000 Details Balance: $20K to $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 0.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%

Texas Bay Credit Union Checking Rates

Product	Rate	APY
Premium Perks Checking	-	0.11%
Min Balance $200,000 Details Balance: $200,000 to $299,999.99; Minimum average daily balance of $2,500.00 required to earn dividends for Premium Perks Checking Last Updated 10/14/2026 Rate History 1 change since Sep 22, 2026 · 0.02% → 0.11% ▲ 0.09 pts · high 0.11% / low 0.02% Oct 14, 20260.11%▲ from 0.02% Sep 22, 20260.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Premium Perks Checking	-	0.11%
Min Balance $300,000 Details Balance: $300,000 to $499,999.99; Minimum average daily balance of $2,500.00 required to earn dividends for Premium Perks Checking Last Updated 10/14/2026 Rate History 1 change since Sep 22, 2026 · 0.02% → 0.11% ▲ 0.09 pts · high 0.11% / low 0.02% Oct 14, 20260.11%▲ from 0.02% Sep 22, 20260.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Premium Perks Checking	-	0.11%
Min Balance $500,000 Details Balance: $500,000 and up; Minimum average daily balance of $2,500.00 required to earn dividends for Premium Perks Checking Last Updated 10/14/2026 Rate History 1 change since Sep 22, 2026 · 0.02% → 0.11% ▲ 0.09 pts · high 0.11% / low 0.02% Oct 14, 20260.11%▲ from 0.02% Sep 22, 20260.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Premium Perks Checking	-	0.10%
Min Balance $150,000 Details Balance: $150,000 to $199,999.99; Minimum average daily balance of $2,500.00 required to earn dividends for Premium Perks Checking Last Updated 10/14/2026 Rate History 1 change since Sep 22, 2026 · 0.02% → 0.10% ▲ 0.08 pts · high 0.10% / low 0.02% Oct 14, 20260.10%▲ from 0.02% Sep 22, 20260.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Premium Perks Checking	-	0.08%
Min Balance $100,000 Details Balance: $100,000 to $149,999.99; Minimum average daily balance of $2,500.00 required to earn dividends for Premium Perks Checking Last Updated 10/14/2026 Rate History 1 change since Sep 22, 2026 · 0.02% → 0.08% ▲ 0.06 pts · high 0.08% / low 0.02% Oct 14, 20260.08%▲ from 0.02% Sep 22, 20260.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Premium Perks Checking	-	0.05%
Min Balance $50,000 Details Balance: $50K to $99,999.99; Minimum average daily balance of $2,500.00 required to earn dividends for Premium Perks Checking Last Updated 10/14/2026 Rate History 1 change since Sep 22, 2026 · 0.02% → 0.05% ▲ 0.03 pts · high 0.05% / low 0.02% Oct 14, 20260.05%▲ from 0.02% Sep 22, 20260.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Premium Perks Checking	-	0.02%
Min Balance $250 Details Balance: $250 to $4,999.99; Minimum average daily balance of $2,500.00 required to earn dividends for Premium Perks Checking Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Premium Perks Checking	-	0.02%
Min Balance $5,000 Details Balance: $5K to $19,999.99; Minimum average daily balance of $2,500.00 required to earn dividends for Premium Perks Checking Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Premium Perks Checking	-	0.02%
Min Balance $20,000 Details Balance: $20K to $49,999.99; Minimum average daily balance of $2,500.00 required to earn dividends for Premium Perks Checking Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%

Texas Bay Credit Union Business Checking Rates

Product	Rate	APY
Commercial Checking	1.50%	1.51%
Min Balance $700,000 Details Balance: $700,000 and up Last Updated 10/14/2026 Rate History 4 changes since Sep 14, 2026 · 1.51% → 1.51% ▼ 0.00 pts · high 1.51% / low 1.50% Oct 14, 20261.51%▲ from 1.50% Oct 10, 20261.50%▼ from 1.51% Sep 22, 20261.51%▲ from 1.50% Sep 18, 20261.50%▼ from 1.51% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Commercial Checking	0.75%	0.75%
Min Balance $500,000 Details Balance: $500,000 to $699,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Simply Plus Business Checking	0.75%	0.75%
Min Balance $700,000 Details Balance: $700,000 and up Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 0.75% → 0.75% ▼ 0.00 pts · high 1.51% / low 0.75% Sep 22, 20260.75%▼ from 1.51% Sep 18, 20261.51%▲ from 0.75% Sep 14, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Simply Plus Business Checking	0.50%	0.50%
Min Balance $500,000 Details Balance: $500,000 to $699,999.99 Last Updated 10/14/2026 Rate History 4 changes since Sep 14, 2026 · 0.50% → 0.50% ▼ 0.00 pts · high 0.75% / low 0.50% Oct 14, 20260.50%▼ from 0.75% Oct 10, 20260.75%▲ from 0.50% Sep 22, 20260.50%▼ from 0.75% Sep 18, 20260.75%▲ from 0.50% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Commercial Checking	0.20%	0.20%
Min Balance $300,000 Details Balance: $300,000 to $499,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Simply Plus Business Checking	0.15%	0.15%
Min Balance $300,000 Details Balance: $300,000 to $499,999.99 Last Updated 10/14/2026 Rate History 4 changes since Sep 14, 2026 · 0.15% → 0.15% ▼ 0.00 pts · high 0.20% / low 0.15% Oct 14, 20260.15%▼ from 0.20% Oct 10, 20260.20%▲ from 0.15% Sep 22, 20260.15%▼ from 0.20% Sep 18, 20260.20%▲ from 0.15% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Commercial Checking	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000 to $299,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Simply Plus Business Checking	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000 to $299,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Commercial Checking	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000 to $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Simply Plus Business Checking	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000 to $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%

Texas Bay Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans - 1st Lien	-	-	5.34%	60 months
Details As Low As; Minimum 1st Lien Home Equity amount $10,000; loan amount cannot exceed 80% of collateral value less outstanding liens Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 5.34% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Home Equity Loans - 1st Lien	-	-	5.84%	120 months
Details As Low As; Minimum 1st Lien Home Equity amount $10,000; loan amount cannot exceed 80% of collateral value less outstanding liens Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 6.04% → 5.84% ▼ 0.20 pts · high 6.04% / low 5.84% Oct 2, 20265.84%▼ from 6.04% Sep 14, 20266.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Home Equity Loans - 2nd Lien	-	-	5.94%	60 months
Details As Low As; Minimum Home Equity amount $10,000; Loan amount cannot exceed 80% of collateral value, less outstanding liens Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 5.94% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Home Equity Loans - 1st Lien	-	-	6.14%	180 months
Details As Low As; Minimum 1st Lien Home Equity amount $10,000; loan amount cannot exceed 80% of collateral value less outstanding liens Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 6.34% → 6.14% ▼ 0.20 pts · high 6.34% / low 6.14% Oct 2, 20266.14%▼ from 6.34% Sep 18, 20266.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Home Equity Loans - 1st Lien	-	-	6.14%	240 months
Details As Low As; Minimum 1st Lien Home Equity amount $10,000; loan amount cannot exceed 80% of collateral value less outstanding liens Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 6.34% → 6.14% ▼ 0.20 pts · high 6.34% / low 6.14% Oct 2, 20266.14%▼ from 6.34% Sep 18, 20266.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Home Equity Loans - 1st Lien	-	-	6.44%	360 months
Details As Low As; Minimum 1st Lien Home Equity amount $10,000; loan amount cannot exceed 80% of collateral value less outstanding liens Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 6.64% → 6.44% ▼ 0.20 pts · high 6.64% / low 6.44% Oct 2, 20266.44%▼ from 6.64% Sep 14, 20266.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Home Equity Loans - 2nd Lien	-	-	6.64%	120 months
Details As Low As; Minimum Home Equity amount $10,000; Loan amount cannot exceed 80% of collateral value, less outstanding liens Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 6.64% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Home Equity Loans - 2nd Lien	-	-	6.74%	180 months
Details As Low As; Minimum Home Equity amount $10,000; Loan amount cannot exceed 80% of collateral value, less outstanding liens Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 6.94% → 6.74% ▼ 0.20 pts · high 6.94% / low 6.74% Oct 2, 20266.74%▼ from 6.94% Sep 18, 20266.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Home Equity Loans - 2nd Lien	-	-	6.74%	240 months
Details As Low As; Minimum Home Equity amount $10,000; Loan amount cannot exceed 80% of collateral value, less outstanding liens Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 6.94% → 6.74% ▼ 0.20 pts · high 6.94% / low 6.74% Oct 2, 20266.74%▼ from 6.94% Sep 18, 20266.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Home Equity Line of Credit (HELOC) - 1st Lien	-	-	7.74%
Details As Low As; Variable APR based on WSJ Prime Rate plus margin; Loan amount cannot exceed 80% of collateral value less outstanding liens Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Home Equity Line of Credit (HELOC) - 2nd Lien	-	-	8.24%
Details As Low As; Variable APR based on WSJ Prime Rate plus margin; Loan amount cannot exceed 80% of collateral value less outstanding liens Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%

Texas Bay Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans - Used & New	-	-	4.24%	0-36 months
Details As Low As; Rates effective October 1, 2026; rates quoted are APR; with approved credit Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.94% → 4.24% ▲ 0.30 pts · high 4.24% / low 3.94% Oct 14, 20264.24%▲ from 3.94% Sep 18, 20263.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Auto Loans - Used & New	-	-	4.24%	37-48 months
Details As Low As; Rates effective October 1, 2026; rates quoted are APR; with approved credit Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.94% → 4.24% ▲ 0.30 pts · high 4.24% / low 3.94% Oct 14, 20264.24%▲ from 3.94% Sep 18, 20263.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Auto Loans - Used & New	-	-	4.24%	49-60 months
Details As Low As; Rates effective October 1, 2026; rates quoted are APR; with approved credit Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 4.14% → 4.24% ▲ 0.10 pts · high 4.24% / low 4.14% Oct 14, 20264.24%▲ from 4.14% Sep 14, 20264.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Auto Loans - Used & New	-	-	4.39%	61-72 months
Details As Low As; Rates effective October 1, 2026; rates quoted are APR; with approved credit Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 4.29% → 4.39% ▲ 0.10 pts · high 4.39% / low 4.29% Oct 14, 20264.39%▲ from 4.29% Sep 14, 20264.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Auto Loans - Used & New	-	-	5.54%	73-84 months
Details As Low As; Rates effective October 1, 2026; rates quoted are APR; with approved credit Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 5.44% → 5.54% ▲ 0.10 pts · high 5.54% / low 5.44% Oct 14, 20265.54%▲ from 5.44% Sep 14, 20265.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Commercial Auto- New and Used	-	-	7.74%
Details As Low As; Lowest rate based on credit history, loan terms, and relationship product discounts; as low as rate is based on lowest available term Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%

Texas Bay Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loans - Used & New	-	6.99%	0-48 months
Details As Low As; Rates effective October 1, 2026; approved credit required Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
RV / ATV / Boat / Watercraft Loans - Used & New	-	8.26%	0-48 months
Details As Low As; Rates effective October 1, 2026; with approved credit Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 8.26% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Motorcycle Loans - Used & New	-	8.49%	49-65 months
Details As Low As; Rates effective October 1, 2026; approved credit required Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
RV / ATV / Boat / Watercraft Loans - Used & New	-	8.49%	49-65 months
Details As Low As; Rates effective October 1, 2026; with approved credit Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 8.26% → 8.49% ▲ 0.23 pts · high 8.49% / low 8.26% Oct 10, 20268.49%▲ from 8.26% Sep 18, 20268.26%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Motorcycle Loans - Used & New	-	8.99%	66-72 months
Details As Low As; Rates effective October 1, 2026; approved credit required Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
RV / ATV / Boat / Watercraft Loans - Used & New	-	8.99%	66-72 months
Details As Low As; Rates effective October 1, 2026; with approved credit Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Motorcycle Loans - Used & New	-	9.49%	73-84 months
Details As Low As; Rates effective October 1, 2026; approved credit required Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
RV / ATV / Boat / Watercraft Loans - Used & New	-	9.49%	73-84 months
Details As Low As; Rates effective October 1, 2026; with approved credit Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
RV / ATV / Boat / Watercraft Loans - Used & New	-	9.99%	85-120 months
Details As Low As; Rates effective October 1, 2026; with approved credit Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%

Texas Bay Credit Union Credit Card Rates

Product	Rate	APR
MasterCard Platinum Rewards	-	17.25%
Details As Low As; Credit Card Rate (APR) Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 17.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
MasterCard Business Platinum Rewards	-	18.00%
Details As Low As; Rate & Fee Disclosure available Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%

Texas Bay Credit Union Personal Loan Rates

Product	APR	Term
Signature Loans	10.49%	0-24 months
Details As Low As; Rate: As low as 10.49%*; Rates Effective: October 1, 2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Signature Loans	12.39%	25-36 months
Details As Low As; Rate: As low as 12.39%; Rates Effective: October 1, 2026 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 11.99% → 12.39% ▲ 0.40 pts · high 12.39% / low 11.99% Oct 10, 202612.39%▲ from 11.99%* Sep 14, 202611.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Signature Loans	13.39%	37-48 months
Details As Low As; Rate: As low as 13.39%; Rates Effective: October 1, 2026 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 12.99% → 13.39% ▲ 0.40 pts · high 13.39% / low 12.99% Oct 10, 202613.39%▲ from 12.99%* Sep 14, 202612.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Signature Loans	14.39%	49-60 months
Details As Low As; Rate: As low as 14.39%; Rates Effective: October 1, 2026 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 13.99% → 14.39% ▲ 0.40 pts · high 14.39% / low 13.99% Oct 10, 202614.39%▲ from 13.99%* Sep 14, 202613.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Signature Loans	15.39%	61-72 months
Details As Low As; Rate: As low as 15.39%; Rates Effective: October 1, 2026 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 14.99% → 15.39% ▲ 0.40 pts · high 15.39% / low 14.99% Oct 10, 202615.39%▲ from 14.99%* Sep 18, 202614.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Signature Loans	15.39%	73-84 months
Details As Low As; Rate: As low as 15.39%; Rates Effective: October 1, 2026 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 14.99% → 15.39% ▲ 0.40 pts · high 15.39% / low 14.99% Oct 10, 202615.39%▲ from 14.99%* Sep 18, 202614.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%

Texas Bay Credit Union Other Rates

Product	Rate	Points	APY/APR
Bonus Money Fund	-	-	0.05%
Min Balance $100 Details Balance: $100 to $4,999.99; Minimum average daily balance of $100.00 is required to earn any dividends for share accounts Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Bonus Money Fund	-	-	0.05%
Min Balance $5,000 Details Balance: $5K to $19,999.99 Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Bonus Money Fund	-	-	0.05%
Min Balance $20,000 Details Balance: $20K to $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Bonus Money Fund	-	-	0.25%
Min Balance $50,000 Details Balance: $50K to $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Bonus Money Fund	-	-	0.45%
Min Balance $100,000 Details Balance: $100,000 to $149,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Bonus Money Fund	-	-	0.65%
Min Balance $150,000 Details Balance: $150,000 to $199,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Bonus Money Fund	-	-	1.00%
Min Balance $200,000 Details Balance: $200,000 to $299,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Bonus Money Fund	-	-	1.26%
Min Balance $300,000 Details Balance: $300,000 to $499,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Bonus Money Fund	-	-	2.27%
Min Balance $500,000 Details Balance: $500,000 to $999,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Bonus Money Fund	-	-	4.13%
Min Balance $1,000,000 Details Balance: $1,000,000 and up Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 2.27% → 4.13% ▲ 1.86 pts · high 4.13% / low 2.27% Oct 14, 20264.13%▲ from 2.27% Sep 14, 20262.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Business Money Fund	0.08%	-	0.08%
Min Balance $1,000 Details Share Accounts (Savings); Balance: $1,000.00 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.08% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Business Money Fund	0.15%	-	0.15%
Min Balance $50,000 Details Share Accounts (Savings); Balance: $50,000.00 - $299,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Business Money Fund	0.50%	-	0.50%
Min Balance $300,000 Details Share Accounts (Savings); Balance: $300,000.00 - $499,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Business Money Fund	1.25%	-	1.26%
Min Balance $500,000 Details Share Accounts (Savings); Balance: $500,000.00 - $699,999.99 Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 1.26% → 1.26% ▼ 0.00 pts · high 1.26% / low 1.25% Oct 14, 20261.26%▲ from 1.25% Sep 18, 20261.25%▼ from 1.26% Sep 14, 20261.26%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Business Money Fund	2.25%	-	2.27%
Min Balance $700,000 Details Share Accounts (Savings); Balance: $700,000.00 and up Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Business Share	0.05%	-	0.05%
Min Balance $1,000 Details Share Accounts (Savings); Balance: $1,000.00 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Business Share	0.10%	-	0.10%
Min Balance $50,000 Details Share Accounts (Savings); Balance: $50,000.00 - $299,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Business Share	0.35%	-	0.35%
Min Balance $300,000 Details Share Accounts (Savings); Balance: $300,000.00 - $499,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Business Share	1.00%	-	1.00%
Min Balance $500,000 Details Share Accounts (Savings); Balance: $500,000.00 - $699,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Business Share	1.25%	-	1.26%
Min Balance $700,000 Details Share Accounts (Savings); Balance: $700,000.00 and up Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 2.27% → 1.26% ▼ 1.01 pts · high 2.27% / low 1.26% Sep 18, 20261.26%▼ from 2.27% Sep 14, 20262.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Share	-	-	0.03%
Min Balance $100 Details Balance: $100 to $4,999.99; Minimum average daily balance of $100.00 is required to earn any dividends for share accounts Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 0.12% → 0.03% ▼ 0.09 pts · high 0.12% / low 0.03% Oct 14, 20260.03%▼ from 0.12% Sep 14, 20260.12%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Share	-	-	0.03%
Min Balance $5,000 Details Balance: $5K to $19,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 0.12% → 0.03% ▼ 0.09 pts · high 0.12% / low 0.03% Oct 14, 20260.03%▼ from 0.12% Sep 14, 20260.12%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Share	-	-	0.03%
Min Balance $20,000 Details Balance: $20K to $49,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 0.12% → 0.03% ▼ 0.09 pts · high 0.12% / low 0.03% Oct 14, 20260.03%▼ from 0.12% Sep 14, 20260.12%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Share	-	-	0.12%
Min Balance $50,000 Details Balance: $50K to $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.12% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Share	-	-	0.28%
Min Balance $100,000 Details Balance: $100,000 to $149,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.28% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Share	-	-	0.45%
Min Balance $150,000 Details Balance: $150,000 to $199,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Share	-	-	0.75%
Min Balance $200,000 Details Balance: $200,000 to $299,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Share	-	-	1.00%
Min Balance $300,000 Details Balance: $300,000 to $499,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Share	-	-	2.27%
Min Balance $500,000 Details Balance: $500,000 to $999,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Share	-	-	2.27%
Min Balance $1,000,000 Details Balance: $1,000,000 and up Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Texas Bay Credit Union’s Texas Ratio fell from 10.46% in Q3 2023 to 5.06% in Q2 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$905M	5.06%	5.0	A+
March 31, 2026	$902M	5.55%	5.0	A+
December 31, 2025	$891M	5.79%	5.0	A+
September 30, 2025	$875M	7.72%	5.0	A
June 30, 2025	$873M	6.91%	5.0	A
March 31, 2025	$869M	7.34%	5.0	A
December 31, 2024	$854M	8.58%	5.0	A
September 30, 2024	$842M	7.69%	5.0	A
June 30, 2024	$802M	7.93%	5.0	A
March 31, 2024	$766M	10.25%	5.0	A
December 31, 2023	$707M	11.93%	5.0	A
September 30, 2023	$699M	10.46%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 173

Part-Time Employees 12

Branch Locations 9

ATM Locations 9

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.06%

Return on Assets (ROA)

0.1366%

Return on Equity (ROE)

1.8244%

Non-Performing Loans Ratio (NPL)

0.55%

Total Assets

905,016,311

Total Amount of Shares and Deposits

763,457,926

Total Shares and Deposits < 1 Year

622,738,583

Total Shares and Deposits 1 3 Years

132,093,417

Total Shares and Deposits > 3 Years

8,625,926

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

61,109,178

Total Uninsured Shares and Deposits > $250K (F+J)

61,109,178

Total Insured Shares and Deposits > $250K (item 17 less item K)

702,348,748

Total Interest Expense (Sum of items 6 8)

9,897,723

Share Certificates

4,913

Number of Accounts for Share Drafts

31,066

IRA KEOGH Accounts

1,323

Number of Accounts for Regular Shares

60,522

All other shares

1,134

Non Member Deposits

Money Market Shares

1,242

Net Income (unless the amount is already included in Undivided Earnings)

1,236,389

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)

28,046,030

Total Liabilities

841,889,449

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Texas Bay Credit Union earned the Verified Healthy badge

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       width="160" height="160">
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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Texas Bay Credit Union

How 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

12-Month CD3.65%
18-Month CD3.70%
24-Month CD3.75%
60-Month CD3.75%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Texas Bay Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Texas Bay Credit Union Texas Ratio

Texas Bay Credit Union Health Trend

Texas Bay Credit Union CD Rates

Texas Bay Credit Union Savings Rates

Texas Bay Credit Union Checking Rates

Texas Bay Credit Union Business 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 History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Texas Bay Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Texas Bay Credit Union

How many branches does Texas Bay Credit Union operate?

Is a member application needed to join Texas Bay Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Texas Bay Credit Union offer online and mobile banking?

Current Texas Bay Credit Union Rates

Compare to Other Credit Unions