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About Us





85 Years of Being Houstonians Financial Partner


Texas Bay is the leading credit union in Houston and financial partner that was founded on May 12, 1936, by Houstonians, for Houstonians. That means we work for our members. We take care of our members by using our net earnings for lower interest rates, higher dividends on deposits, low fees, and offer FREE products and services. Texas Bay succeeds by preserving a secure financial position, increasing membership growth, and maintaining high member satisfaction. 

Texas Bay was originally chartered as Houston Sinclair Refinery Employees' Credit Union and began operations out of the Sinclair Refinery plant. The first meeting of Sinclair Refinery Employees' Credit Union was held on Jun 3, 1936. Over the years, while Texas Bay Credit Union might have gone through a few name changes, we still hold our core values that began back in 1936. We are here for our members and take the role that our members have entrusted us with as their Financial Partner seriously.  There is no "I Can't" at Texas Bay Credit Union. We work tirelessly to provide the best service to our members and work to find each members tailored-made solution to help members reach their financial dreams. For more information about Texas Bay, one of the leading credit unions in Houston, Texas, contact us today.




Spring 2022 Newsletter


2021 Annual Report



As a member of Texas Bay Credit Union, you are an owner and have the right to various types of information about your credit union in accordance with the Texas State Finance Code 15.4105. Texas Bay produces an annual report that is made available during the Annual Meeting and on this website. Information available for you to learn more about your credit union includes:

Located in the latest Annual Report

  • Annual Balance Sheet
  • Income and Expense Statement
  • Board Members and Term Expiration Dates
  • Overall Financial Condition

Located on our website

Available upon request

  • Bylaws (Available Upon Request)
  • Article of Incorporation (Available Upon Request)
You also may view a summary of the most recent annual audit, the most recent statement of financial condition, the IRS Form 990, as well as any other document consistent with applicable laws or regulations. 































Texas Bay's Leadership Team


Board of Directors Leadership Team
Rudy Wright,
Chairman
Jesse Gutierrez,
President & CEO
Tom Merchant,
Vice-Chairman
Syed Dinar,
Executive Vice President & Chief Financial Officer
Raymond Andrews,
Secretary
Brandy Guzman,
Vice President of Branches & Operations
John Swanson,
Treasurer
Bret Hoda,
Vice President of Lending
Larry Clowers,
Director
Brian Ellis,
Vice President of Card Services & Facilities
Mark Wygant,
Director
Charlotte Yocom,
Vice President of Marketing & Business Development
Mike Cacciotti,
Director
Chauncey Onyon,
Vice President of Technology
Wayne Otwell,
Director
Chelly DeLeon,
Vice President of Human Resources
Jeff Barba,
Director
Jeremy Bratton,
Vice President of Training & Compliance
Alejandro Hernandez,
Advisory Director
Osman Ulhaq,
Vice President of Strategic Development
Curt Burnett,
Advisory Director