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Unlocking Your Dream Home: Exploring Mortgage Options with Texas Bay

There are several types of mortgages available to homebuyers, each with its own features and benefits. Here we explore the various options, their features and benefits. 

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Introducing Zelle® for Small Business

Texas Bay Credit Union is pleased to announce Zelle® for Small Business is now available through our online banking and mobile app platforms. In today's fast-paced digital economy, small businesses are constantly seeking innovative solutions to streamline their operations and enhance customer experiences.



Unlocking the Door to Your Dream Home: Insider Insights on Mortgages

In the Houston area, the average price of a new home is around $400,000. For most people, this is the biggest purchase they will ever make in life. Complicating the matter further, there are numerous laws and regulations revolving around how mortgages are done that can easily turn the entire topic into a foreign concept. Here to break down this extremely complex financial subject is Logan Cates, Assistant Vice President of Mortgage at Texas Bay Credit Union.

Internships Unveiled: A Dual Perspective on Professional Development

Texas Bay delves into the dynamic world of internships through the dual lenses of interns and employers, shining a spotlight on the transformative journey experienced by both parties. In this post, we navigate through the intricacies of internships, offering insights into Texas Bay's esteemed internship program. From the perspective of interns, we explore the invaluable opportunities for growth, learning, and professional development. Simultaneously, we delve into the perspective of employers, unveiling the strategic benefits and profound impact of nurturing emerging talent within the organization. Join us as we unravel the symbiotic relationship between interns and employers within the framework of Texas Bay's internship program,  aspirations transform into accomplishments.

What You Need to Know about Home Equity Loans

Home equity loans offer a viable option for homeowners to access cash by borrowing against the equity they've built up in their home. Understanding home equity loans is crucial to making informed financial decisions, whether for a major renovation, consolidating debt, or covering significant expenses.

Make Your House Work for You

Do you know how your home’s equity can help you? You’ve got another home renovation coming up or upcoming education costs on the horizon, that will definitely make a dent in your bank account. What if you could avoid the sudden hole in your wallet? By opening up a Home Equity Line of Credit (HELOC), you can pay for your larger upcoming expenses without having to dip into your savings. Texas Bay Credit Union can help you ease the tensions of that next big project.

Understanding Flood Insurance: Insuring Against the Deluge

Floods are among the most common and costly natural disasters, causing significant damage to homes and properties every year. Yet, many homeowners and renters underestimate the importance of having adequate flood insurance coverage. In this article, we'll delve into why flood insurance is essential for both homeowners and renters, highlighting the risks, coverage options, and the peace of mind it can provide in the face of unpredictable weather events.

Why Choosing a Credit Union Checking Account is a Smart Move

Opening a Perks or Premium Perks Checking account with Texas Bay Credit Union isn't just about managing your finances; it's about enhancing your lifestyle and safeguarding your assets. If you're looking to make the most out of your banking experience, consider opening a checking account that goes beyond the basics. Unlike traditional banks, we offer a unique blend of benefits that extend beyond the realm of banking, providing you with a plethora of perks that cater to various aspects of your daily life. Here, we delve into the benefits offered to Perks and Premium Perks Checking account holders.



Beware Debt Relief Companies

In times of financial distress, the allure of debt relief services can be tempting, with promises of reducing debt, consolidating loans, and managing your financial burden. However, a closer look reveals that many for-profit companies providing such services may not have your best interests at heart. This article will delve into common debt relief services, their workings, potential pitfalls, and why it's generally advisable to avoid them. Additionally, we'll explore alternative avenues for managing debt responsibly.


Spring Break Tips

Wherever you choose to spend your Spring Break, make sure you enjoy it. Having fun doesn’t always have to be hard work, it can be rewarding and relaxing. Remember to breathe in the fresh spring air (maybe take an allergy pill right before for the extra pollen in the air) and smile because you’re here, living life to the fullest.


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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