Deposit Rates

Consumer Deposit Rates

  
Rates Effective: January 8, 2021. For current information, call the Credit Union at 713-852-6700 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 .11%
Jumbo - 6-11 Month CD .16%
12-17 Month CD .16%
Jumbo - 12-17 Month CD .21%
18-23 Month CD .21%
Jumbo – 18-23 Month CD .26%
24-35 Month CD .30%
Jumbo – 24-35 Month CD .35%
36-47 Month CD .35%
Jumbo – 36-47 Month CD .40%
48-59 Month CD .40%
Jumbo – 48-59 Month CD .45%
60 Month CD .50%
Jumbo – 60 Month CD .55%
Payroll Growth CD¹ – 12 Month .11%
 
* 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.
 
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: January 8, 2021. For current information, call the Credit Union at 713-852-6700 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 0.11% 0.11% 0.16% 0.16%
12 to 17 Months 0.16% 0.16% 0.21% 0.21%
18 to 23 Months 0.21% 0.21% 0.26% 0.26%
24 to 35 Months 0.30% 0.30% 0.35% 0.35%
36 to 47 Months 0.35% 0.35% 0.40% 0.40%
48 to 59 Months 0.40% 0.40% 0.45% 0.45%
60 Months 0.50% 0.50% 0.55% 0.55%
Payroll Growth CD** 0.11% 0.11% - -
 
Rates Effective: January 8, 2021For current information, call the Credit Union at 713-852-6700 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% 0.07% 0.07% 0.04%
APY*
$50K to $99,999.99
0.04% 0.07% 0.07% 0.04%
Dividend Rate
$100,000 to
$149,999.99
0.04% 0.08% 0.08% 0.04%
APY*
$100,000 to
$149,999.99
0.04% 0.08% 0.08% 0.04%
Dividend Rate
$150,000 to $1999,999.99
0.05% 0.09% 0.09% 0.05%
APY*
$150,000 to $1999,999.99
0.05% 0.09% 0.09% 0.05%
Dividend Rate
$200,000 and up
0.05% 0.10% 0.10% 0.05%
APY*
$200,000 and up
0.05% 0.10% 0.10% 0.05%
Rates Effective: January 8, 2021For current information, call the Credit Union at 713-852-6700 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)
Regular Checking 50+ Checking Simply+ Checking Simply Free Checking
Dividend Rate
$250 to $99,999.99
0.02% 0.02% 0.02% 0.00%
APY*
$250 to $99,999.99
0.02% 0.02% 0.02% 0.00%
Dividend Rate
$100,000 and up
0.02% 0.02% 0.02% 0.00%
APY*
$100,000 and up
0.02% 0.02% 0.02% 0.00%
 
Rates Effective: January 8, 2021. For current information, call the Credit Union at 713-852-6700 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 Checking Member Advantage (3) 
Dividend Rate
$100 to $4,999.99
0.02% 0.02%
APY*
$100 to $4,999.99
0.02% 0.02%
Dividend Rate
$5K to $19,999.99
0.02% 0.02%
APY*
$5K to $19,999.99
0.02% 0.02%
Dividend Rate
$20K to $49,999.99
0.02% 0.02%
APY*
$20K to $49,999.99
0.02% 0.02%
Dividend Rate
$50K to $99,999.99
0.03% 0.03%
APY*
$50K to $99,999.99
0.03% 0.03%
Dividend Rate
$100,000 to
$149,999.99
0.04% 0.04%
APY*
$100,000 to
$149,999.99
0.04% 0.04%
Dividend Rate
$150,000 to $1999,999.99
0.05% 0.05%
APY*
$150,000 to $1999,999.99
0.05% 0.05%
Dividend Rate
$200,000 and up
0.06% 0.06%
APY*
$200,000 and up
0.06% 0.06%
  

 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 $1500.00 is required to earn any dividends for Premium Checking accounts.
(3) For existing accounts only. Other restrictions apply. No new accounts are offered.
(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. Payroll Growth CD 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
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