Keep Debt to Minimum
Invest in the Future
Protect Your Family
Your family is growing and your priorities are changing...
Texas Bay is here to ensure that your financial goals start on target and that you are ready for all of your little ones milestones.
There is no love greater than a parents love for their child, and, with that, also comes no greater worry than the thoughts of "Am I doing everything I can to protect and provide for my children...". Financial worry can lead to stress and leads you to not be as present as you want to be for your kids. With some planning, preparation, and discipline, some financial worry can be eased.
Are you planning to begin your family or are you preparing for your baby to head off to college in just a few short years? No matter where you are in parenting, Texas Bay is here as your financial partner through all of your little one's milestones.
No matter what parenting milestone you are about to come to, there is one constant when getting ready for it. And that's setting your PLAN & BUDGET!
There are 4 things to create a solid plan to reach your financial goals.
- Budget & Save! - Create your budget that is manageable and automate savings into it. Take a look at your expenses versus your income. Are you living within your means to reach your goals? Are there some items you can cut to save more?
- Watch Your Debt - Are your interest rates through the roof? How much of your car, credit cards, or house payment are going to pay interest payments instead of the principal? Refinance your high interest auto or home loans to save more and pay down debt faster. Are you paying off your credit cards every month? Would consolidating your debt with a personal loan save you thousands of dollars in the long run on lower interest fees?
- Understand Your Credit - Do you know what is making up your credit score? Do you have the tools necessary to build your credit so you can enjoy the lower interest rates?
- Invest In Your Future - Are you saving for your children's college now? What about a bigger home for your family?
You can always call or visit a Texas Bay branch to have a one-on-one meeting with a Financial Team Member to gain knowledge and insight on how to build your budget, how to lower your debt, increase your credit score and find the right investment option to fit your family. They will help create a solution to get you on the right path for success.
We are also happy to provide you with resources and videos to provide you with more Money Management and Planning for the Future tips and advice geared specifically to you! You can locate these right here on our website.
Do your loans fit you? Do you have the loans you need to fit your needs? Are you paying too much on interest?
- Take a look at the loans you currently have and review the terms and conditions to make sure they fit you.
- Take a look at your families needs, do you have the loans you need to accomplish your short and long term goals?
- Personal Loans - can help consolidate debt, help with unexpected expenses, or for that family vacation at generally much lower interest rates than credit cards.
- Auto Loan - should you refinance your loan to acquire a lower interest rate and pay off your vehicle faster? What about getting that new car to fit your growing family or get that first car for that Sweet Sixteen!
- Home Equity - can help pay for those home repairs or remodel as well as help consolidate debt all at much lower interest rates than credit cards.
Your life is busy, you're on the go or at home with a little one and not sleeping much. Whatever it is, the last thing you want to deal with is paying bills, depositing checks or investigating a transaction. As a member of Texas Bay, you have access to our robust Digital Banking platform.
Stay on top of your finances, budget, and goals from your laptop or mobile device. Our Digital Banking allows you to bank anywhere, anytime and provides you features such as:
- Account management functions, so you're always in control:
- Password Management is in your hands
- Easily transfer money
- Pay bills on the go
- Access statements 24/7
- And much more!
- Money Management features to coordinate your financial future:
- Budget, monitor spending, and establish savings goals
- Compile your Texas Bay accounts and accounts from other financial institutions for a complete financial view
- See where your money goes and take control of your spending by categorizing transactions automatically
- Security measures to keep your information secure and private:
- Can't find your card? Lock it instantly to prevent fraudulent activity. You can unlock your card just as quickly as you locked it should you find it.
- And much MORE! Make your life easier and take advantage of these free digital banking features.
You are focused on being the best parent you can for your children, lean on your financial partner to be by your side during this journey and Texas Bay will be right there with you every step of the way! We have solutions made simple with features to help you bank anytime, anywhere!
Invest in your family's future with multiple options and competitive dividends to help you reach your goals!
Low rates and flexible terms with protection packages available to create the loan that fits you.
Do MORE with LESS time! Texas Bay's digital banking was made for you on the go.
Deposit checks from your phone, set up alerts, turn your card off and on if you suspect fraud
and SO MUCH MORE!!!