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Savings options tailored to fit your goals!

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Share Savings Account

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Bonus Money Fund

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Certificate of Deposit (CD)

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Guaranteed Growth Investment

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Save to Win CD

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Christmas Club

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Minimum Opening Deposit1 $1 $500 $1,000 $1,000 $100 $1
Digital Banking Access sailboat sails sailboat sails sailboat sails sailboat sails sailboat sails sailboat sails
Competitive Dividends2 sailboat sails Higher Rates Higher Rates Higher Rates  sailboat sails sailboat sails
Checking Overdraft Protection sailboat sails

Electronic Withdrawal Limits3 64 No withdrawals during term No withdrawals during term 15 No withdrawals6
Term Commitments

6, 12, 18, 24, 36, 48, 60 months You pick your term 12 months Funds released in November
Automate Deposits sailboat sails sailboat sails

sailboat sails sailboat sails
Access to 55,000 surcharge-free ATMs7 sailboat sails sailboat sails

Your funds are secure with Texas Bay
Texas Bay Credit Union is federally insured by the National Credit Union Administration (NCUA), which is backed by the full faith and credit of the U.S. Government.  Your deposit/shares at Texas Bay are insured up to $250,000, an amount equal to the insurance protection offered by the FDIC. Generally, if a credit union member has more than one account in the same insured Credit Union, those accounts are added together and are issued up to $250,000; however, there are exceptions.

Protecting your savings with the highest level of security available is one of Texas Bay Credit Union’s major objectives. That is why we combine your federal deposit insurance coverage with excess deposit insurance protection from Excess Share Insurance(Opens in a new Window) (ESI).

In addition to your accounts being covered by the NCUA to a limit of $250,000, ESI provides an additional $250,000 of savings protection to each qualifying account.

1Program, rates, rewards, terms and conditions subject to change without notice.  2Accounts are variable rate accounts and rates are subject to change at any time without notice. Fees could reduce earnings. 3Electronic withdrawals from savings accounts are limited by regulation D. Withdrawals at our branches are not limited. 4Minimum $150 withdrawals. 5Participating member may make a maximum of one (1) withdrawal from the Save to Win CD during any twelve (12) month period, with an early withdrawal penalty of $25. 6Withdrawals on account are not permitted, unless closing your account. 7ATM – automated teller machine. Number of ATMs subject to change. Surcharge free ATMs limited to Texas Bay Credit Union ATMs and designated AllPoint Network ATMs. ATM must be in AllPoint network at the time of transaction. Other fees such as non-sufficient funds, overdraft, etc. may apply.  See our full fee schedule for details.  Credit union rules and regulations apply.  Speak to a Credit Union representative for complete details.