Texas Bay Credit Union

Your Goals. Your Future. Powered by TBCU.

Start 2026 with a partner who helps you save smarter, borrow wisely, and reach every milestone. Whether it's your next home, car, or step towards clearing debt and gaining financial independence, our team will help you turn goals into action. Get started today.

 

ACHIEVE MORE

Big Goals. Big Rewards. Bank Forward.

Start 2026 with a checking account that pays you back. Get further ahead this year with early paydays up to two days in advance, 24/7 roadside assistance, fuel rewards, discounts on shopping, dining, and traveling, and more with TBCU Perks Checking.

 

BANK FORWARD

Big Goals. Big Opportunities.

You've built equity. Put it to work with a fixed monthly payment and a low rate for control and peace of mind. Whether you're renovating your home or consolidating debt, a home equity loan from TBCU gives you a more predictable way to borrow.

 

PLAN FORWARD

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How can we help you today?

The Latest News and Trends at Texas Bay Credit Union

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 Texas Bay Credit Union's Rates

View All Rates

APR as low as

Auto Loans

4.39%

APR as low as

Home Equity

5.34%

APY for 6 Months

Certificate of Deposit

Up to 3.87%

APY for 12 Months

Flex Certificate of Deposit

Up to 3.97%

Texas Bay is Here for Every Stage in Life

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Retirement

News from the Bay

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Personal Finance

How to Budget, Save, Eliminate Debt & Invest for 2026 | Your New Year Financial Plan

Create a budget to track spending, reduce expenses, and increase savings. Save eno...
Christmas gifts stacked up beneath a Christmas tree
Toys for Tots

Texas Bay Credit Union Raises 600 Toys and $10,040 for Houston Families

This holiday season, Texas Bay Credit Union was honored to once again join forces w...
Smiling high school graduates receiving their diplomas.
Scholarship

2026 Texas Bay Credit Union Scholarship: Supporting the Future of Greater Houston Students

Each year, Texas Bay Credit Union continues its mission of giving back to the commu...
A man smiles while earning discounts on his shopping--thanks to his perks checking account.
Checking

What Are the Benefits of a Perks Checking Account?

Perks checking accounts bundle everyday services and memberships into one low fee....
Texas Bay Credit Union Sailboat cut out.