Texas Bay Credit Union

Vote for Texas Bay!

Texas Bay is nominated for the Houston Chronicle's Best of the Best credit union, financial planning/investment service, mortgage lender, and insurance agent! Vote once per day, everyday now through May 30th and help us defend our Best of the Best title.



No Games. Just Results!

Get into your dream home even faster! With a Quick Close Mortgage from Texas Bay, you can close on your new home in just 15 business days.



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With a Perks or Premium Perks checking account, every swipe of your debit card earns you more rewards. Save on fuel, get paid a day early, get local discounts, and more!

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The Latest News and Trends at Texas Bay Credit Union


 Texas Bay Credit Union's Rates

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APR as low as

Auto Loans

4.74%

APR as low as

Home Equity

7.00%

APY for 12 Months

Certificate of Deposit

4.65%

APY for 60 Months

Certificate of Deposit

5.27%

Texas Bay is Here for Every Stage in Life

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News from the Bay

Challenges faced by low-income individuals in obtaining a mortgage can include strict credit score requirements, limited down payment options, and income limitations. Despite these challenges, there are steps low-income individuals can take to make home ownership a reality. The Houston Chronicle sat down with Texas Bay's Osman Ulhaq, VP of Strategic Growth & Development to discuss this topic.
Texas Bay is pleased to announce our five 2023 scholarship winners. Each will receive $2,500 towards their Fall 2023 Semester expenses. Join us in congratulating these well-deserved graduating students. We wish them luck on their journey.
Reasons to Consider Refinancing Your Mortgage
For many homeowners in Houston, refinancing their homes can be a smart financial move. With the current low-interest rates and rising home values, refinancing can save homeowners thousands of dollars in interest over the life of their mortgage.
There are quite a few misconceptions about Certificates of Deposit (CDs) and many don't think they are in a financial position to take advantage of this investment tool. Texas Bay debunks these myths and explains why CDs are for everyone!
Texas Bay Credit Union Sailboat cut out.