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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 March 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: March 28, 2026
Texas Bay Credit Union's Callable CD 24 month rates are at 4.33%, Callable CD 60 month rates are at 4.13%, CDs (Including IRA CDs) 6 to 11 month rates are at 3.97%, CDs (Including IRA CDs) 12 to 17 month rates are at 3.87%, CDs (Including IRA CDs) 18 to 23 month rates are at 3.76%. Texas Bay Credit Union's Personal Loan Rates are at 9.99%. 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 8.99%. Rates were last updated on 03/28/2026. 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 Credit Card Rates
Texas Bay Credit Union Personal Loan Rates
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
179
Part-Time Employees
10
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 (96/100)
Texas Ratio
8.99%
Return on Assets (ROA)
0.3932%
Return on Equity (ROE)
5.1825%
Non-Performing Loans Ratio (NPL)
0.87%
Total Assets
874,892,055
Total Amount of Shares and Deposits
726,063,426
Total Shares and Deposits < 1 Year
593,051,497
Total Shares and Deposits 1 3 Years
107,357,490
Total Shares and Deposits > 3 Years
25,654,440
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
57,868,583
Total Uninsured Shares and Deposits > $250K (F+J)
57,868,583
Total Insured Shares and Deposits > $250K (item 17 less item K)
668,194,843
Total Interest Expense (Sum of items 6 8)
15,328,092
Share Certificates
4,704
Number of Accounts for Share Drafts
31,482
IRA KEOGH Accounts
1,258
Number of Accounts for Regular Shares
51,000
All other shares
1,058
Non Member Deposits
10
Money Market Shares
1,278
Net Income (unless the amount is already included in Undivided Earnings)
3,440,318
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
32,024,685
Total Liabilities
814,672,038
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Texas Bay Credit UnionIs Texas Bay Credit Union a safe place to deposit money?Yes, Texas Bay Credit Union is considered a safe financial institution. With a Texas Ratio of 8.9885511517435%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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
Retrieved from our database of financial products. Rates subject to change.
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