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 10, 2026

Texas Bay Credit Union's top rates as of October 10, 2026 are 4.50% APY on its Callable CD 60 month, 1.50% 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 Callable CD 24 month at 4.20%, CDs (i) (Including IRA CDs) - 36 to 47 month at 4.00%, and CDs (i) (Including IRA CDs) - 24 to 35 month 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 10/10/2026.

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
Callable CD 60 month	-	4.50%	60 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Callable CD 24 month	-	4.20%	24 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Share Certificates (i) (Including IRA Certificates) - 36 to 47 month	-	4.00%	36 to 47 Months
Min Balance $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85% Oct 10, 20264.00%▲ from 3.85% Sep 22, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Share Certificates (i) (Including IRA Certificates) - 24 to 35 month	-	3.95%	24 to 35 Months
Min Balance $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.85% → 3.95% ▲ 0.10 pts · high 3.95% / low 3.85% Oct 10, 20263.95%▲ from 3.85% Sep 22, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Share Certificates (i) (Including IRA Certificates) - 18 to 23 month	-	3.90%	18 to 23 Months
Min Balance $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75% Oct 10, 20263.90%▲ from 3.75% Sep 22, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Share Certificates (i) (Including IRA Certificates) - 48 to 59 month	-	3.90%	48 to 59 Months
Min Balance $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.95% → 3.90% ▼ 0.05 pts · high 3.95% / low 3.90% Oct 10, 20263.90%▼ from 3.95% Sep 22, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Share Certificates (i) (Including IRA Certificates) - 60 month	-	3.90%	60 Months
Min Balance $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.95% → 3.90% ▼ 0.05 pts · high 3.95% / low 3.90% Oct 10, 20263.90%▼ from 3.95% Sep 22, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Share Certificates (i) (Including IRA Certificates) - 12 to 17 month	-	3.85%	12 to 17 Months
Min Balance $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65% Oct 10, 20263.85%▲ from 3.65% Sep 22, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Share Certificates (i) (Including IRA Certificates) - 36 to 47 month	-	3.85%	36 to 47 Months
Min Deposit $1,000 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70% Oct 10, 20263.85%▲ from 3.70% Sep 22, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Share Certificates (i) (Including IRA Certificates) - 24 to 35 month	-	3.80%	24 to 35 Months
Min Deposit $1,000 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70% Oct 10, 20263.80%▲ from 3.70% Sep 22, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Share Certificates (i) (Including IRA Certificates) - 6 to 11 month	-	3.80%	6 to 11 Months
Min Balance $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55% Oct 10, 20263.80%▲ from 3.55% Sep 22, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Callable CD 6 month	-	3.75%	6 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Share Certificates (i) (Including IRA Certificates) - 18 to 23 month	-	3.75%	18 to 23 Months
Min Deposit $1,000 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55% Oct 10, 20263.75%▲ from 3.55% Sep 22, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Share Certificates (i) (Including IRA Certificates) - 48 to 59 month	-	3.75%	48 to 59 Months
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Share Certificates (i) (Including IRA Certificates) - 60 month	-	3.75%	60 Months
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Share Certificates (i) (Including IRA Certificates) - 12 to 17 month	-	3.70%	12 to 17 Months
Min Deposit $1,000 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45% Oct 10, 20263.70%▲ from 3.45% Sep 22, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Share Certificates (i) (Including IRA Certificates) - 6 to 11 month	-	3.65%	6 to 11 Months
Min Deposit $1,000 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.35% → 3.65% ▲ 0.30 pts · high 3.65% / low 3.35% Oct 10, 20263.65%▲ from 3.35% Sep 22, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%

Texas Bay Credit Union Checking Rates

Product	Rate	APY
High Yielding Share Drafts (Checking)	-	0.11%
Min Balance $200,000 Details Balance: $200,000 to $299,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.11% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
High Yielding Share Drafts (Checking)	-	0.11%
Min Balance $300,000 Details Balance: $300,000 to $499,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.11% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
High Yielding Share Drafts (Checking)	-	0.11%
Min Balance $500,000 Details Balance: $500,000 and up Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.11% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
High Yielding Share Drafts (Checking)	-	0.10%
Min Balance $150,000 Details Balance: $150,000 to $199,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
High Yielding Share Drafts (Checking)	-	0.08%
Min Balance $100,000 Details Balance: $100,000 to $149,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.08% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
High Yielding Share Drafts (Checking)	-	0.05%
Min Balance $50,000 Details Balance: $50K to $99,999.99 Last Updated 10/10/2026 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%
High Yielding Share Drafts (Checking)	-	0.02%
Min Balance $250 Details Balance: $250 to $4,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
High Yielding Share Drafts (Checking)	-	0.02%
Min Balance $5,000 Details Balance: $5K to $19,999.99 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
High Yielding Share Drafts (Checking)	-	0.02%
Min Balance $20,000 Details Balance: $20K to $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 0.02% APY · checked 3 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%	1.50%
Min Balance $700,000 Details Balance: $700,000 and up Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 1.51% → 1.50% ▼ 0.01 pts · high 1.51% / low 1.50% Oct 10, 20261.50%▼ from 1.51% Sep 22, 20261.51%▲ from 1.50% Sep 18, 20261.50%▼ from 1.51% Sep 14, 20261.51%first recorded 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 10/10/2026 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%
Simply Business Checking	0.75%	0.75%
Min Balance $700,000 Details Balance: $700,000 and up Last Updated 10/10/2026 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%
Simply Plus Business Checking	0.50%	0.75%
Min Balance $500,000 Details Balance: $500,000 to $699,999.99 Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 0.50% → 0.75% ▲ 0.25 pts · high 0.75% / low 0.50% Oct 10, 20260.75%▲ from 0.50% Sep 22, 20260.50%▼ from 0.75% Sep 18, 20260.75%▲ from 0.50% Sep 14, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Simply Business Checking	0.50%	0.50%
Min Balance $500,000 Details Balance: $500,000 to $699,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Simply Plus Business Checking	0.15%	0.20%
Min Balance $300,000 Details Balance: $300,000 to $499,999.99 Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 0.15% → 0.20% ▲ 0.05 pts · high 0.20% / low 0.15% Oct 10, 20260.20%▲ from 0.15% Sep 22, 20260.15%▼ from 0.20% Sep 18, 20260.20%▲ from 0.15% Sep 14, 20260.15%first recorded 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 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*; Rate is variable and may change after account opening. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.34% APR · checked 7 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; Rate is variable and may change after account opening. Last Updated 10/10/2026 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* Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.94% APR · checked 7 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; Rate is variable and may change after account opening. Last Updated 10/10/2026 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; Rate is variable and may change after account opening. Last Updated 10/10/2026 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; Rate is variable and may change after account opening. Last Updated 10/10/2026 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* Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.64% APR · checked 7 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* Last Updated 10/10/2026 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* Last Updated 10/10/2026 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%
HELOC	-	-	7.74%	1st lien
Details As low as; * Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Home Equity Lines of Credit (HELOC)	-	-	7.74%	15-20 years
Details Published APR range: 7.74%-18.00%. Rates Effective: October 1, 2026. All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit. The Annual Percentage Rate (APR) is variable and is based on the Prime Rate as stated in The Wall Street Journal plus a margin. The APR is subject to change at any time without notice. The APR will change effective with changes in the Index and will be effective on the first business day of each month. Standard variable APR of 7.74% to 18.00% based on creditworthiness. Rates current as of October 1, 2026. Rates subject to change without notice. There is a 5-year draw period with interest-only payments followed by a repayment period ranging from 15-20 years with equal monthly principal and interest payments. Minimum advance at closing is $5,000, and minimum draw amount is $5,000 during draw period. Loans are based on credit approval and program guidelines. Rates and terms are based on your earned credit score an Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
HELOC	-	-	8.24%	2nd lien
Details As low as; * Last Updated 10/10/2026 Rate History No change since Oct 10, 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
Used & New Auto Loan	-	-	4.24%	0-36 months
Details As low as*; Rate: 4.24% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Used & New Auto Loan	-	-	4.24%	37-48 months
Details As low as*; Rate: 4.24% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Used & New Auto Loan	-	-	4.24%	49-60 months
Details As low as*; Rate: 4.24% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Used & New Auto Loan	-	-	4.39%	61-72 months
Details As low as*; Rate: 4.39% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Used & New Auto Loan	-	-	5.54%	73-84 months
Details As low as*; Rate: 5.54% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.54% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Commercial Auto- New and Used	-	-	7.74%
Details As Low As* Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 6 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 Loan	-	6.99%	0-48 months
Details As low as* Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.99% APR 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; * Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.26% APR · checked 5 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; * Last Updated 10/10/2026 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%
RV / ATV / Boat / Watercraft Loans - Used & New	-	8.99%	66-72 months
Details As low as; * Last Updated 10/10/2026 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	-	9.49%	73-84 months
Details As low as; * Last Updated 10/10/2026 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	-	9.99%	85-120 months
Details As low as; * Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 6 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*; Rate & Fee Disclosure (Opens in a new Window) Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 17.25% APR · checked 5 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 (Opens in a new Window) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 6 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	10.49%	0-24 months
Details As low as* Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Signature Loan	12.39%	25-36 months
Details As low as* Last Updated 10/10/2026 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 Loan	13.39%	37-48 months
Details As low as* Last Updated 10/10/2026 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 Loan	14.39%	49-60 months
Details As low as* Last Updated 10/10/2026 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 Loan	15.39%	61-72 months
Details As low as* Last Updated 10/10/2026 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 Loan	15.39%	73-84 months
Details As low as* Last Updated 10/10/2026 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
Business Money Fund	0.05%	-	0.08%
Min Balance $1,000 Details Balance: $1,000 to $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.08% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Business Money Fund	0.10%	-	0.15%
Min Balance $50,000 Details Balance: $50,000 to $299,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Business Money Fund	0.35%	-	0.50%
Min Balance $300,000 Details Balance: $300,000 to $499,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Business Money Fund	1.00%	-	1.25%
Min Balance $500,000 Details Balance: $500,000 to $699,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.26% → 1.25% ▼ 0.01 pts · high 1.26% / low 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 and up Last Updated 10/10/2026 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%
Business Share	0.05%	-	0.05%
Min Balance $1,000 Details Balance: $1,000 to $49,999.99 Last Updated 10/10/2026 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%
Business Share	0.10%	-	0.10%
Min Balance $50,000 Details Balance: $50,000 to $299,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 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 10/10/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 5 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 10/10/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 5 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 Balance: $700,000 and up Last Updated 10/10/2026 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%
Flex CD	-	-	3.70%
Min Deposit $100 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45% Oct 10, 20263.70%▲ from 3.45% Sep 14, 20263.45%first recorded 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

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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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

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Texas Bay Credit Union Business Checking Rates

Texas Bay Credit Union Home Equity & HELOC

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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