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Adapting to Changing Credit Trends

Year after year, it’s important to stay informed about changing trends that impact our overall financial landscape. Unfortunately, personal finances can often be an unsavory subject that many people try to sweep under the rug. However, from an interest rate perspective, not addressing issues can cost the average household quite a bit of money. 

As the President and CEO of Texas Bay Credit UnionJesse Gutierrez is one of Houston’s leading financial experts who is here to provide insight and proactive steps for people to stay informed on evolving credit trends in 2024.
 

Navigating Tax Season

As we enter tax season, individuals and businesses alike find themselves immersed in the annual ritual of sorting through financial documents and navigating the complex world of taxes. Texas Bay Credit Union is here to help make your tax season a breeze with a guide to a smooth tax experience and exclusive offers through the Love My Credit Union Rewards program.

Beware Credit Repair Companies

In the quest for a better credit score, many turn to credit repair companies, enticed by their promises to fix credit issues. However, beneath the surface, these companies often harbor risks that can leave consumers in a worse financial position. We at Texas Bay Credit Union aim to unveil these hidden dangers and guide Texans toward safer alternatives.

Learn and Earn with Zogo!

Adulting can be hard with the constant flurry of busy schedules, but we want you to succeed in all that you do. Finances should be an area that you feel confident in. Don't really know much about finances? Want to expand your knowledge? Need something to get your teens interested in their financial literacy?

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Get a Fresh Start to Saving Money!

You start fresh each year, and every year you promise yourself you WILL SAVE this year. Saying it is one thing, but taking action is another. Obstacles, deadlines, and outside factors are all things that can sometimes steer you away from your goals. As your trusted financial partner, we want you to succeed in knocking out your financial goals this year! With that in mind, here are a few tips on succeeding at saving.

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Understanding Credit Scores

Your credit score is more than just a number; it's a vital indicator of your financial well-being. Understanding and managing this score can be the key to unlocking numerous financial opportunities and achieving your dreams. Whether you're eyeing a new home, dreaming of a new car, or simply striving for financial stability, your credit score plays a pivotal role. At Texas Bay Credit Union, we recognize the importance of financial literacy and its impact on our members' lives. That's why we're dedicated to providing you with the resources and knowledge to understand your credit score and how to improve it.


Texas Bay's Guide to Setting Financial Goals

It’s a New Year… time to think about your goals for the year. Are you planning to buy a new house or car? Is your focus on savings? Whatever your financial goal, Texas Bay can help! We reviewed a couple of end-of-year surveys and they indicate Americans believe we are heading into more a stable economic state and we have become adept at dealing with the uncertainty over the last two years. As such, we offer this guide to help you develop your 2024 Financial Goals.

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Post-Holiday Shopping - Yes, It's a Thing!

Something about shopping during the holidays makes most people joyful, but it can also take a toll on your bank balance. What we all love besides giving presents is saving money while giving presents. While holiday shopping has the biggest sales to shop from, it can be overwhelming, and oftentimes cost you a lot of money in the short run. However, there is an EASIER and more SUSTAINABLE way to prepare for the holidays: Post-Holiday Shopping!


Safety Checklist for Using Your Credit Card Overseas

Traveling abroad can be an exciting adventure but it requires careful planning, especially when managing finances. As a Texas Bay Credit Union member, using your credit card overseas can be convenient and rewarding. We will guide you through essential safety tips to ensure a hassle-free and secure financial experience during your international travels.

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New vs. Used Car: Which One Should You Buy?

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.


Find Your Next Car from Home

Let's be honest; not very many enjoy the car buying experience. How can you really be sure that you are getting the best deal available? Why isn't there a one-stop-shop that has the selection that you want? Plus, who loves getting blasted with advertising emails for dealerships and cars that you never even shopped? Now you can do it all from the comfort of your own home: shop new and used, take a virtual test drive, compare offers, calculate what you can afford, and even apply for the loan - all from your couch!
 
 
How to Protect Yourself from Common Banking Scams

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.

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Better Than a Lease:  Texas Bay's SaveEasy Auto Loan

Ready for a financing option that allows you to get behind the wheel of your dream car without breaking the bank? Seem like a dream? It could be your reality. Sometimes it pays to look at a non-traditional one as it could perhaps be the one that makes your dream car a reality while saving you the most money!