Texas Bay Credit Union

Have a Holiday You Will Cheer For!

Need some extra cash this holiday season? Don't drain your savings. Let us be your holiday helper with an array of options to get all the funds you need with less of the stress.

Spread the Cheer & Give This Year!

Join us with in our 4th Annual UPVETS Toys for Tots Toy Drive! Help us brighten the lives of children in the Houston area by dropping off a donation at one of our branches now through December 7th!

'Tis the Season for Cash Back!

Earn 1 point for every $1 you spend! And during special promotional periods,
get DOUBLE the points! Redeem points for cash, gift cards, and more!

The Latest News and Trends at Texas Bay Credit Union

 Texas Bay Credit Union's Rates

View All Rates

APR as low as

Auto Loans


APR as low as

Home Equity


APY for 12 Months

Certificate of Deposit

Up to 5.48%

APY for 24 Months

Certificate of Deposit

Up to 5.69%

Texas Bay is Here for Every Stage in Life

Swipeto see more

Swipe Indicator

News from the Bay

When showing your love and appreciation, giving the gift of financial security can be a thoughtful and lasting gesture. At Texas Bay Credit Union, based in Houston, Texas, we understand the importance of making sound financial choices. In this comprehensive guide, we'll walk you through the art of financial gift-giving, offering insights and ideas to help you make the right choices for your loved ones. Whether for a birthday, a wedding, or any special occasion, we aim to help you create lasting financial impact through your gifts.
Amid the end-of-year car holidays, many Texans are considering upgrading their ride. But should you go for a brand-new car with that new car smell or opt for a reliable used vehicle? At Texas Bay Credit Union, we understand the importance of making informed decisions about your auto purchase, especially regarding financing. We'll explore the pros and cons of new and used cars and how your choice impacts your auto loan.
The holiday season is a time of joy and celebration, but it can also be a time of financial stress and overspending.  One of the key strategies to ensure a smooth experience at the end of the year is setting a holiday budget. Our own VP of Lending, Bret Hoda, offers his expert advice about creating a budget and practical tips for sticking to it.

At Texas Bay Credit Union, we prioritize your financial safety. As technology advances, so do the tactics employed by scammers. Even more concerning is the rise of AI (artificial intelligence) tools that make cyber threats more sophisticated and harder to detect. In this comprehensive guide, we'll walk you through common banking scams you should be aware of and offer tips on protecting yourself.

Texas Bay Credit Union Sailboat cut out.