Houston skyline.

Financial Partner

Looking for a Better Financial Partner?

Are you frustrated with your current Financial Partner?

Do you feel like just another number?

Do you need help with your credit and finances?

Look no further than Texas Bay Credit Union! At Texas Bay we make your goals our goals, from improving credit, to saving money, buying a car, paying for tuition, purchasing that first house, building your business and more...much more!

Don't just take our word for it! Our members have made Texas Bay the #1 ⭐⭐⭐⭐⭐ CREDIT UNION IN HOUSTON by posting 2,800+ reviews on Google

At Texas Bay we don't just offer top-rated service, but we also strive to make BANKING EASY!

Meet on YOUR time - Schedule an appointment with a financial partner ONLINE.
Communicate via Text Message - Texting capabilities allow  you to text your financial partner to allow for easier communication.
Convenient Locations - 9 branches located all around Greater Houston from Cypress, to Pasadena, to League City, to Pearland and more!
24/7 Online Digital services - Allow you to open accounts, apply for loans, manage your accounts, and send money with Zelle®1.

Low Rates

At Texas Bay, we work for our members by using our net earnings for lower interest rates and fees. Many credit card companies and personal loan/title loan organizations offer on average 26.00% APR* rates.  At Texas Bay, your Credit Card and Personal Loan rate will never be ABOVE 18.00% APR*. Let Texas Bay help you say goodbye to throwing away $$ on those high interest loans and credit cards.

build credit icon

Build Your Credit

Take charge of your financial future, by taking advantage of one our FREE membership benefits to all members! Schedule an appointment and visit one of our 9 conveniently located branches around Houston to get your annual Financial Wellness Checkup! Find out the health of your finances and work with a team member who will create a customized plan to help you reach your financial goals. 
hand putting coin in bank icon

Working for You

Texas Bay is committed to finding the best solutions to help you save money and reach your financial dreams. Schedule an appointment and visit one of our 9 conveniently located branches to find out how we can help you reach your goals.
document with check mark icon

Multiple Loan Options

Along with our low rate personal loans and cash back rewards credit cards, Texas Bay offers multiple loan options for all your needs from auto loans, mortgages, home equity loans and more. You can even enjoy the ease of finding a car straight from our website. Texas Bay is here to help you get the money you need to reach your financial dreams while enjoying low rates.

Go Astros!

Texas Bay is the official credit union of the Houston Astros and home of the official debit card of the Astros!

We want to give Astros fans MORE! Whether it's with discounts at the team store or on game tickets, or by giving members opportunities to throw out the 1st pitch at an Astros game and much more!

group of three people

Giving Back

Texas Bay was founded by Houstonians for Houstonians. Throughout the year, we partner with several charities including UPVETS and Toys for Tots Houston. We also give back to the future leaders of our community by awarding 5 $3,000 Scholarships every year to graduating high school seniors.

We also enjoy giving back to our followers on social media with giveaways! Follow us today to stay up to date with ways to WIN!


piggy bank icon

Checking and Savings Accounts

Go beyond your normal checking and savings accounts. With checking accounts designed to give you more in savings and protection and savings options to help you build financial security, with competitive rates on certificates of deposit, and with our Save to Win account where you can earn a chance to win up to $5,000!

Members also have access to over 55,000 surcharge-free ATMs through the AllPoint Network and over 5,000 shared branches throughout the country.

Your Business Partner

Texas Bay is here for your business as well! Take advantage of our checking, savings, and loan options as well as our business services tailored to help you fulfill your financial dreams. We are also proud to offer our business members access to Clover® an all-in-one point-of-sale system to make managing your business easier!

financial education icon

Financial Wellness

Texas Bay believes in empowering our members to take charge of their finances. Looking to grow your financial literacy? Texas Bay offers a free financial literacy app that rewards you as you learn!

We are also happy to provide financial literacy education and growth webinars and seminars for your community, business, or school.  Dive into our library of content or get information tailored to where you are at in your life with our life stage pages. Plus, get an insight on your finances or work on your budget or savings goals with our financial calculators.
car icon

Find a Car

Looking for your dream car? Texas Bay makes auto loans easier by giving you the option to find a car directly on our website. Shop through our wide array of vehicles right from home! 
insurance icon


Protect what matters most with our home, auto, and life insurance options from the Insurance Agency that was voted #1 in Houston.

We are happy to offer FREE coverage evaluation of your current policies and FREE quotes for new policies. All of our insurance policies are customized to fit YOUR needs.

Vamos Dynamo!

Texas Bay is the official credit union of the Houston Dynamo FC!

Texas Bay members enjoy discounted tickets to Dynamo games and social media giveaways for game tickets, on the pitch experiences, and memorabilia.

Video not compatible with Internet Explorer web browser.

Who Can Join?

Texas Bay's field of membership includes people, business, and other legal entities who:
  • Live, work, worship, attend school, or are based in Harris, Chambers, Liberty, Montgomery, Waller, Fort Bend, Brazoria, or Galveston County
    (Opens in a new Window)
  • Are associated with one of our select employer groups(Opens in a new Window)
Once, you become a member, you're a member for life, even if you move out of the field of membership!

How Do I Join?

To join, deposit $1 into a savings account. It's that simple!

You can join:
We look forward to you joining the Texas Bay family!

1Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
*APR= Annual Percentage Rate. Your APR will never be more than 18.00%, or the maximum rate permitted by law, whichever is less.