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Texas Bay Credit Union

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Texas Bay Credit Union Rates & Review November 2026

Q: 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%

Q: What CD terms does Texas Bay Credit Union offer?

Texas Bay Credit Union CD rates are 3.65% APY for a 12 month CD, 3.70% APY for an 18 month CD, 3.90% APY for a 23 month CD, 4.20% APY for a 2 year CD, 3.95% APY for a 35 month CD, 4.00% APY for a 47 month CD and 4.50% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Texas Bay Credit Union for its full lineup.

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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Texas Bay Credit Union's 60 Month Callable CD rates are at 4.50%, 24 Month Callable CD rates are at 4.20%, 36 - 47 Month CD rates are at 4.00%, 24 - 35 Month CD rates are at 3.95%, 18 - 23 Month CD rates are at 3.90%. Texas Bay Credit Union's checking rates are as high as 1.51%. 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%. Texas Bay Credit Union's CD rates are 39% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 10/30/2026.

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 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; first 90 days not callable; minimum to open $50,000; Balance: $50,000.00 and up Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.50% APY · checked 6 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; first 90 days not callable; minimum to open $50,000; Balance: $50,000.00 and up Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.20% APY · checked 6 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: $50,000.00 and up Last Updated 10/30/2026 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: $50,000.00 and up Last Updated 10/30/2026 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: $50,000.00 and up Last Updated 10/30/2026 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: $50,000.00 and up Last Updated 10/30/2026 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: $50,000.00 and up Last Updated 10/30/2026 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: $50,000.00 and up Last Updated 10/30/2026 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 Min Balance $1,000 Details Balance: $1,000.00 to open Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.85% APY · checked 3 times 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 Min Balance $1,000 Details Balance: $1,000.00 to open Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.80% APY · checked 3 times 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: $50,000.00 and up Last Updated 10/30/2026 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 Min Balance $1,000 Details Balance: $1,000.00 to open Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.75% APY · checked 3 times 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 Min Balance $1,000 Details Balance: $1,000.00 to open Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.75% APY · checked 3 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; first 90 days not callable; Balance: $1,000,000.00 and up Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 6 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 Min Balance $1,000 Details Balance: $1,000.00 to open Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.75% APY · checked 3 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 Min Balance $1,000 Details Balance: $1,000.00 to open Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.70% APY · checked 3 times 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; Flex CD (12 month) per footnote Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.70% APY · checked 3 times 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 Min Balance $1,000 Details Balance: $1,000.00 to open Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.65% APY · checked 3 times 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; Share Accounts Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 10 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; Share Accounts Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.27% APY · checked 5 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; Share Accounts Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.27% APY · checked 5 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; Share Accounts Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.27% APY · checked 5 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; Share Accounts Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 10 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; Share Accounts Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.00% APY · checked 5 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; Share Accounts Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 10 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; Share Accounts Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.75% APY · checked 5 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; Share Accounts Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 10 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; Share Accounts Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.45% APY · checked 5 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; Share Accounts Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.28% APY · checked 10 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; Share Accounts Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.28% APY · checked 5 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; Share Accounts Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.12% APY · checked 8 times 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; Share Accounts Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.12% APY · checked 5 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; Share Accounts Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 9 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; Share Accounts Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 0.03% APY · checked 7 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; Share Accounts Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 0.03% APY · checked 7 times 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; Share Accounts Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.03% APY · checked 5 times 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; Share Accounts Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.03% APY · checked 5 times 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; Share Accounts Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%

Texas Bay Credit Union Business Savings Rates

Product	Rate	APY
Business Share	1.25%	1.26%
Min Balance $700,000 Details Balance: $700,000 to $999,999.99 Last Updated 10/30/2026 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%
Business Share	1.25%	1.26%
Min Balance $1,000,000 Details Balance: $1,000,000 and up Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.26% APY · checked 4 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 Balance: $500,000 to $699,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 10 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 Balance: $300,000 to $499,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 10 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 Balance: $50,000 to $299,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 10 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 Balance: $1,000 to $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 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 is required to earn any dividends for Premium Perks Checking accounts Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.11% APY · checked 5 times 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 is required to earn any dividends for Premium Perks Checking accounts Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.11% APY · checked 5 times 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 is required to earn any dividends for Premium Perks Checking accounts Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.11% APY · checked 5 times 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 is required to earn any dividends for Premium Perks Checking accounts Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.10% APY · checked 5 times 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 is required to earn any dividends for Premium Perks Checking accounts Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.08% APY · checked 5 times 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 is required to earn any dividends for Premium Perks Checking accounts Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 5 times 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 is required to earn any dividends for Premium Perks Checking accounts Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.02% APY · checked 5 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 is required to earn any dividends for Premium Perks Checking accounts Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.02% APY · checked 5 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 is required to earn any dividends for Premium Perks Checking accounts Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Perks Checking	-	0.00%
Min Balance $250 Details Balance: $250.00 - $99,999.99; Minimum average daily balance of $250.00 required to earn any dividends Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Perks Checking	-	0.00%
Min Balance $100,000 Details Balance: $100,000.00 and up; Minimum average daily balance of $250.00 required to earn any dividends Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Simply Checking	-	0.00%
Min Balance $250 Details Balance: $250.00 - $99,999.99; Minimum average daily balance of $250.00 required to earn any dividends Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Simply Checking	-	0.00%
Min Balance $100,000 Details Balance: $100,000.00 and up; Minimum average daily balance of $250.00 required to earn any dividends Last Updated 10/30/2026 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: $700,000.00 and up Last Updated 10/30/2026 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: $500,000.00 - $699,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 11 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: $700,000.00 and up Last Updated 10/30/2026 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: $500,000.00 - $699,999.99 Last Updated 10/30/2026 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: $300,000.00 - $499,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 11 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: $300,000.00 - $499,999.99 Last Updated 10/30/2026 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: $50,000.00 - $299,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 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: $50,000.00 - $299,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 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: $1,000.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 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: $1,000.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Simply Business Checking	0.00%	0.00%
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Simply Business Checking	0.00%	0.00%
Min Balance $50,000 Details Balance: $50,000.00 - $299,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Simply Business Checking	0.00%	0.00%
Min Balance $300,000 Details Balance: $300,000.00 - $499,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Simply Business Checking	0.00%	0.00%
Min Balance $500,000 Details Balance: $500,000.00 - $699,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Simply Business Checking	0.00%	0.00%
Min Balance $700,000 Details Balance: $700,000.00 and up Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 5 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 Home Equity, 1st Lien amount $10,000; Loan amount cannot exceed 80% of collateral value, less outstanding liens Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.34% APR · checked 12 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 Home Equity, 1st Lien amount $10,000; Loan amount cannot exceed 80% of collateral value, less outstanding liens Last Updated 10/30/2026 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 Loan - 2nd Lien	-	-	5.94%	60 months
Details As Low As; Rates effective October 1, 2026; Minimum Home Equity loan amount $10,000; Loan amount cannot exceed 80% of the collateral value, less outstanding liens Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.94% APR · checked 12 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 Home Equity, 1st Lien amount $10,000; Loan amount cannot exceed 80% of collateral value, less outstanding liens Last Updated 10/30/2026 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 Home Equity, 1st Lien amount $10,000; Loan amount cannot exceed 80% of collateral value, less outstanding liens Last Updated 10/30/2026 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 Home Equity, 1st Lien amount $10,000; Loan amount cannot exceed 80% of collateral value, less outstanding liens Last Updated 10/30/2026 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 Loan - 2nd Lien	-	-	6.64%	120 months
Details As Low As; Rates effective October 1, 2026; Minimum Home Equity loan amount $10,000; Loan amount cannot exceed 80% of the collateral value, less outstanding liens Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.64% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Home Equity Loan - 2nd Lien	-	-	6.74%	180 months
Details As Low As; Rates effective October 1, 2026; Minimum Home Equity loan amount $10,000; Loan amount cannot exceed 80% of the collateral value, less outstanding liens Last Updated 10/30/2026 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 Loan - 2nd Lien	-	-	6.74%	240 months
Details As Low As; Rates effective October 1, 2026; Minimum Home Equity loan amount $10,000; Loan amount cannot exceed 80% of the collateral value, less outstanding liens Last Updated 10/30/2026 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 Published APR range: As low as 7.74%. As Low As; Rate (APR) variable based on WSJ Prime Rate plus a margin; Standard variable APR of 7.74% to 18.00% based on creditworthiness; Minimum advance at closing $5,000; Minimum Home Equity, 1st Lien Home Equity, and HELOC amount is $10,000; Loan amount cannot exceed 80% of collateral value, less outstanding liens Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Home Equity Lines of Credit (HELOC)	-	-	7.74%
Details Rate: Wall Street Journal Prime Rate plus a margin (variable); Minimum advance at closing is $5,000; minimum draw amount is $5,000 during draw period Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Home Equity Line of Credit (HELOC) - 2nd Lien	-	-	8.24%
Details Published APR range: As low as 8.24%. As Low As; Rate (APR) variable based on WSJ Prime Rate plus a margin; Standard variable APR of 7.74% to 18.00% based on creditworthiness; Minimum advance at closing $5,000; Minimum draw amount $5,000 during draw period; Loan amount cannot exceed 80% of collateral value, less outstanding liens Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.24% APR · checked 5 times 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	-	-	4.74%	0-36 months
Details As Low As; Rates effective October 28, 2026; All rates quoted are APR; With approved credit Last Updated 10/30/2026 Rate History 2 changes since Sep 18, 2026 · 3.94% → 4.74% ▲ 0.80 pts · high 4.74% / low 3.94% Oct 30, 20264.74%▲ from 4.24% 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	-	-	4.74%	37-48 months
Details As Low As; Rates effective October 28, 2026; All rates quoted are APR; With approved credit Last Updated 10/30/2026 Rate History 2 changes since Sep 18, 2026 · 3.94% → 4.74% ▲ 0.80 pts · high 4.74% / low 3.94% Oct 30, 20264.74%▲ from 4.24% 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	-	-	4.74%	49-60 months
Details As Low As; Rates effective October 28, 2026; All rates quoted are APR; With approved credit Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 4.14% → 4.74% ▲ 0.60 pts · high 4.74% / low 4.14% Oct 30, 20264.74%▲ from 4.24% 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	-	-	4.89%	61-72 months
Details As Low As; Rates effective October 28, 2026; All rates quoted are APR; With approved credit Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 4.29% → 4.89% ▲ 0.60 pts · high 4.89% / low 4.29% Oct 30, 20264.89%▲ from 4.39% 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	-	-	6.04%	73-84 months
Details As Low As; Rates effective October 28, 2026; All rates quoted are APR; With approved credit Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 5.44% → 6.04% ▲ 0.60 pts · high 6.04% / low 5.44% Oct 30, 20266.04%▲ from 5.54% 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; Business auto loan table, APR as low as 7.74%; lowest rate based on credit history, loan terms, and relationship discounts Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 11 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; With approved credit Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 10 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; All rates quoted are APR; With approved credit Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.26% APR · checked 10 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; With approved credit Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 10 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; All rates quoted are APR; With approved credit Last Updated 10/30/2026 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; With approved credit Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 10 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; All rates quoted are APR; With approved credit Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 11 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; With approved credit Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 10 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; All rates quoted are APR; With approved credit Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 11 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; All rates quoted are APR; With approved credit Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%

Texas Bay Credit Union Credit Card Rates

Product	Rate	APR	View More
MasterCard Business Platinum Rewards	-	18.00%
Details As Low As; Rate & Fee Disclosure; Credit card rates subject to change with approved credit Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 11 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 Loan - 0-24 months	10.49%	0-24 months
Details As Low As; Rates Effective: October 1, 2026. All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 10.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Signature Loan - 25-36 months	12.39%	25-36 months
Details As Low As; Rates Effective: October 1, 2026. All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 12.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Signature Loan - 37-48 months	13.39%	37-48 months
Details As Low As; Rates Effective: October 1, 2026. All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 13.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Signature Loan - 49-60 months	14.39%	49-60 months
Details As Low As; Rates Effective: October 1, 2026. All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 14.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Signature Loan - 61-72 months	15.39%	61-72 months
Details As Low As; Rates Effective: October 1, 2026. All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit. Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 14.99% → 15.39% ▲ 0.40 pts · high 15.39% / low 14.99% Oct 19, 202615.39%▲ from 14.99% Sep 14, 202614.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Signature Loan - 73-84 months	15.39%	73-84 months
Details As Low As; Rates Effective: October 1, 2026. All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit. Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 14.99% → 15.39% ▲ 0.40 pts · high 15.39% / low 14.99% Oct 19, 202615.39%▲ from 14.99% Sep 14, 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; Share Accounts Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 9 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; Share Accounts Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 7 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; Share Accounts Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 7 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; Share Accounts Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 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; Share Accounts Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 10 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; Share Accounts Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 10 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; Share Accounts Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 10 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; Share Accounts Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 10 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; Share Accounts Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Bonus Money Fund	-	-	4.18%
Min Balance $1,000,000 Details Balance: $1,000,000 and up; Share Accounts Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 4.13% → 4.18% ▲ 0.05 pts · high 4.18% / low 4.13% Oct 19, 20264.18%▲ from 4.13% Oct 14, 20264.13%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 Balance: $1,000 to $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.08% APY · checked 11 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 Balance: $50,000 to $299,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 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 Balance: $300,000 to $499,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 11 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 Balance: $500,000 to $699,999.99 Last Updated 10/30/2026 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 Balance: $700,000 to $999,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Business Money Fund	4.10%	-	4.18%
Min Balance $1,000,000 Details Balance: $1,000,000 and up Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.18% APY · checked 4 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

2026 MBR Health & Safety Badge

Texas Bay Credit Union earned the Verified Healthy badge

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Texas Bay Credit Union

Does Texas Bay Credit Union offer CDs?

Yes. Texas Bay Credit Union current CD rates include its 60 Month Callable CD at 4.50% APY, its 24 Month Callable CD at 4.20% APY and its 36 - 47 Month CD at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Texas Bay Credit Union NCUA insured?

Yes. Texas Bay Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Texas Bay Credit Union?

The highest Texas Bay Credit Union CD rate is its 60 Month Callable CD at 4.50% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Texas Bay Credit Union offer?

Texas Bay Credit Union CD rates are 3.65% APY for a 12 month CD, 3.70% APY for an 18 month CD, 3.90% APY for a 23 month CD, 4.20% APY for a 2 year CD, 3.95% APY for a 35 month CD, 4.00% APY for a 47 month CD and 4.50% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Texas Bay Credit Union for its full lineup.

What is the highest checking rate at Texas Bay Credit Union?

The highest Texas Bay Credit Union checking rate is its Commercial Checking at 1.51% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Texas Bay Credit Union?

The lowest Texas Bay Credit Union auto loan rate is its Auto Loans - Used & New at 4.74% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Texas Bay Credit Union?

The lowest Texas Bay Credit Union personal loan rate is its Signature Loan - 0-24 months at 10.49% APR, verified by MonitorBankRates as of October 30, 2026. Texas Bay Credit Union personal loan rates are 10.49% APR for a 24 month personal loan, 12.39% APR for a 36 month personal loan, 13.39% APR for a 48 month personal loan, 14.39% APR for a 60 month personal loan, 15.39% APR for a 72 month personal loan and 15.39% APR for an 84 month personal loan.

What is the lowest credit card APR at Texas Bay Credit Union?

The lowest Texas Bay Credit Union credit card APR is its MasterCard Business Platinum Rewards Credit Card at 18.00% APR, verified by MonitorBankRates as of October 30, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Texas Bay Credit Union rates compare?

Texas Bay Credit Union's CD rates are 39% higher than the MonitorBankRates national average, and it has an A+ health rating. Texas Bay Credit Union's top rates are its 60 Month Callable CD at 4.50% APY, its Commercial Checking at 1.51% APY, its Signature Loan - 0-24 months at 10.49% APR and its MasterCard Business Platinum Rewards Credit Card at 18.00% APR, verified by MonitorBankRates on October 30, 2026.

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.

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Texas Bay Credit Union Rates & Review November 2026

Brian McKay

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Frequently Asked Questions About Texas Bay Credit Union

Does Texas Bay Credit Union offer CDs?

Are CDs from Texas Bay Credit Union NCUA insured?

What is the highest CD rate at Texas Bay Credit Union?

What CD terms does Texas Bay Credit Union offer?

What is the highest checking rate at Texas Bay Credit Union?

What is the lowest auto loan rate at Texas Bay Credit Union?

What is the lowest personal loan rate at Texas Bay Credit Union?

What is the lowest credit card APR at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Texas Bay Credit Union rates compare?

Current Texas Bay Credit Union Rates

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