Deposit Rates





Consumer Deposit Rates

  
Rates Effective: September 1, 2022. For current information, call the Credit Union at (713) 366-4929 or 1-800-577-3164.  This Rate and Fee Schedule for all accounts sets forth certain conditions, rates, fees, and charges at Texas Bay Credit Union, and is incorporated as part of your Account Agreement with us.  

Certificate of Deposit APY*
6-11 Month CD 1.26%
Jumbo - 6-11 Month CD 1.66%
12-17 Month CD 1.46%
Jumbo - 12-17 Month CD 2.48%
18-23 Month CD 1.87%
Jumbo – 18-23 Month CD 2.58%
24-35 Month CD 2.07%
Jumbo – 24-35 Month CD 2.68%
36-47 Month CD 2.27%
Jumbo – 36-47 Month CD 2.78%
48-59 Month CD 2.58%
Jumbo – 48-59 Month CD 2.99%
60 Month CD 2.89%
Jumbo – 60 Month CD 3.30%
Save to Win CD¹ – 12 Month 1.26%
Callable CD 60 Months2 3.71%
 
* APY=Annual Percentage Yield assumes dividends remain in the account until maturity. Withdrawals or fees reduce earnings.  Dividends are paid at the end of the period from current income and available earnings after required transfers to reserves.  All accounts must remain open through the end of the dividend period or the maturity date to be paid the accrued dividends.

¹Minimum $100 deposit.  Requires ACH deposit.

a) Minimum amount to open a Share Certificate is $1,000.
b) Minimum amount to open a Jumbo Share Certificate is $50,000.
c) All Share Certificate dividend rates and APY are subject to change without notice.
 
2Callable CD: We may redeem this account, at our option, at any time, but not for the first 90 days. Minimum to open is $50,000. These accounts may be subject to
redemption, or called, on a specified date or dates prior to the maturity date, at our sole discretion. If the account is called, you will be paid the outstanding principal
amount and dividends accrued or accredited up to, but not including, the callable date. The time periods for which the account may be called will be specified in the
Certificate Account Receipt or a supplement to this Disclosure Statement
 
Fees can reduce the earnings of deposit accounts. Penalty may apply for early withdrawal of CD deposits. Rates may change after account is opened.
  
Rates Effective: September 1, 2022. For current information, call the Credit Union at (713) 366-4929 or 1-800-577-3164.  This Rate and Fee Schedule for all accounts sets forth certain conditions, rates, fees, and charges at Texas Bay Credit Union, and is incorporated as part of your Account Agreement with us.  

Share Certificates (i)
(Including IRA Certificates)
Dividend Rate
$1,000.00 to open
APY*
$1,000.00 to open
Dividend Rate
$50,000.00 and up
APY*
$50,000.00 and up
6 to 11 Months 1.25% 1.26% 1.65% 1.66%
12 to 17 Months 1.45% 1.46% 2.45% 2.48%
18 to 23 Months 1.85% 1.87% 2.55% 2.58%
24 to 35 Months 2.05% 2.07% 2.65% 2.68%
36 to 47 Months 2.25% 2.27% 2.75% 2.78%
48 to 59 Months 2.55% 2.58% 2.95% 2.99%
60 Months 2.85% 2.89% 3.25% 3.30%
Save to Win CD** 1.25% 1.26% - -
Callable CD 60 Months

3.65% 3.71%
 
Rates Effective: September 1, 2022For current information, call the Credit Union at (713) 366-4929 or 1-800-577-3164.  This Rate and Fee Schedule for all accounts sets forth certain conditions, rates, fees, and charges at Texas Bay Credit Union, and is incorporated as part of your Account Agreement with us.  
 
Share Accounts  Share Bonus Money Fund IRA Christmas Club
Dividend Rate
$100 to $4,999.99
0.03% 0.05% 0.05% 0.03%
APY*
$100 to $4,999.99
0.03% 0.05% 0.05% 0.03%
Dividend Rate
$5K to $19,999.99
0.03% 0.05% 0.05% 0.03%
APY*
$5K to $19,999.99
0.03% 0.05% 0.05% 0.03%
Dividend Rate
$20K to $49,999.99
0.03% 0.05% 0.05% 0.03%
APY*
$20K to $49,999.99
0.03% 0.05% 0.05% 0.03%
Dividend Rate
$50K to $99,999.99
0.04% 0.25% 0.25% 0.04%
APY*
$50K to $99,999.99
0.04% 0.25% 0.25% 0.04%
Dividend Rate
$100,000 to
$149,999.99
0.25% 0.35% 0.35% 0.25%
APY*
$100,000 to
$149,999.99
0.25% 0.35% 0.35% 0.25%
Dividend Rate
$150,000 to $1999,999.99
0.30% 0.45% 0.45% 0.30%
APY*
$150,000 to $1999,999.99
0.30% 0.45% 0.45% 0.30%
Dividend Rate
$200,000 and up
0.45% 0.75% 0.75% 0.45%
APY*
$200,000 and up
0.45% 0.75% 0.75% 0.45%
Rates Effective: September 1, 2022For current information, call the Credit Union at (713) 366-4929 or 1-800-577-3164.  This Rate and Fee Schedule for all accounts sets forth certain conditions, rates, fees, and charges at Texas Bay Credit Union, and is incorporated as part of your Account Agreement with us.  
 
Share Drafts
(Checking) (2)
Simply Checking Perks Checking
Dividend Rate
$250 to $99,999.99
0.00% 0.00%
APY*
$250 to $99,999.99
0.00% 0.00%
Dividend Rate
$100,000 and up
0.00% 0.00%
APY*
$100,000 and up
0.00% 0.00%
 
Rates Effective: September 1, 2022. For current information, call the Credit Union at (713) 366-4929 or 1-800-577-3164. This Rate and Fee Schedule for all accounts sets forth certain conditions, rates, fees, and charges at Texas Bay Credit Union, and is incorporated as part of your Account Agreement with us.
 
High Yielding Share Drafts
(Checking) (2)
Premium Perks Checking
Dividend Rate
$2,500 to $4,999.99
0.02%
APY*
$2,500 to $4,999.99
0.02%
Dividend Rate
$5K to $19,999.99
0.02%
APY*
$5K to $19,999.99
0.02%
Dividend Rate
$20K to $49,999.99
0.02%
APY*
$20K to $49,999.99
0.02%
Dividend Rate
$50K to $99,999.99
0.05%
APY*
$50K to $99,999.99
0.05%
Dividend Rate
$100,000 to
$149,999.99
0.08%
APY*
$100,000 to
$149,999.99
0.08%
Dividend Rate
$150,000 to $1999,999.99
0.13%
APY*
$150,000 to $1999,999.99
0.13%
Dividend Rate
$200,000 and up
0.15%
APY*
$200,000 and up
0.15%
  


























 Your funds are secure at Texas Bay!
 
Please note:
(1) Minimum average daily balance of $100.00 is required to earn any dividends for share accounts.
(2) Minimum average daily balance of $250.00 is required to earn any dividends for share draft accounts.
Minimum average daily balance of $2,500.00 is required to earn any dividends for Premium Perks Checking accounts.
(i) All certificate dividend rates and APY are subject to change without notice.
(ii) Share and Share Draft Dividends are calculated based on Simple Interest Method and paid monthly.
Share and Share Draft Dividend rates and APY are subject to change monthly without notice at the discretion of the Board of Directors.
* APY or ANNUAL PERCENTAGE YIELD assumes dividends remain in the account until maturity. Withdrawals or fees reduce earnings.
Dividends are paid at the end of the period from current income and available earnings after required transfers to reserves.
All accounts must remain open through the end of the dividend period or the maturity date to be paid the accrued dividends.
** Special Promo Rate applies to new Jumbo CD ($50,000 or higher) opened with new money from another institution and is for limited time only.
Promotion rate offer is subject to end without notice. Save to Win (12 month) can be opened with as low as $100 for up to 12 months. Early withdrawal
penalties apply to all certificate accounts. Please ask an associate for more information.

Texas Bay Credit Union is federally insured by the National Credit Union Share Insurance Funds, which is backed by
the full faith and credit of the U.S. Government. For more information, please visit www.ncua.gov