Loan Rates
Rates Effective: July 1, 2026. All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit.
Auto Loans - Used & New
| Term | Rate (APR) |
|---|---|
| 0-36 months | As low as 3.94%* |
| 37-48 months | As low as 3.94%* |
| 49-60 months | As low as 4.14%* |
| 61-72 months | As low as 4.29%* |
| 73-84 months | As low as 5.44%* |
Motorcycle Loans - Used & New
| Term | Rate (APR) |
|---|---|
| 0-48 months | As low as 6.99%* |
| 49-65 months | As low as 8.49%* |
| 66-72 months | As low as 8.99%* |
| 73-84 months | As low as 9.49%* |
RV / ATV / Boat / Watercraft Loans - Used & New
| Term | Rate (APR) |
|---|---|
| 0-48 months | As low as 8.26%* |
| 49-65 months | As low as 8.26%* |
| 66-72 months | As low as 8.99%* |
| 73-84 months | As low as 9.49%* |
| 85-120 months | As low as 9.99%* |
Rates Effective: July 1, 2026. All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit.
Signature Loans
| Term | Rate (APR) |
|---|---|
| 0-24 months | As low as 10.49%* |
| 25-36 months | As low as 11.99%* |
| 37-48 months | As low as 12.99%* |
| 49-60 months | As low as 13.99%* |
| 61-72 months | As low as 14.99%* |
| 73-84 months | As low as 14.99%* |
Secured Loans
| Loan Type | Rate (APR) |
|---|---|
| Share Secured | 3% over highest tiered share rate** |
| CD Secured | 3% over term of CD, rounded to nearest 1/4%*** |
Miscellaneous Equipment Loans
Home Equity Loan Rates
Rates Effective: July 1, 2026. All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit.
Home Equity Loans - 1st Lien1,2
| Term | Rate (APR) |
|---|---|
| 60 months | As low as 5.34%* |
| 120 months | As low as 6.04%* |
| 180 months | As low as 6.34%* |
| 240 months | As low as 6.34%* |
| 360 months | As low as 6.64%* |
Home Equity Loans - 2nd Lien1,2
| Term | Rate (APR) |
|---|---|
| 60 months | As low as 5.94%* |
| 120 months | As low as 6.64%* |
| 180 months | As low as 6.94%* |
| 240 months | As low as 6.94%* |
Home Equity Lines of Credit (HELOC)2,3
| Term | Rate (APR) |
|---|---|
| 1st lien | As low as 7.74%* |
| 2nd lien | As low as 8.24%* |
1Minimum Home Equity, 1st Lien Home Equity, and Home Equity Line of Credit amount is $10,000. Loan amount cannot exceed 80% of the collateral value, less outstanding liens.
2Loan amount cannot exceed 80% of the collateral value, less outstanding liens.
3The Annual Percentage Rate (APR) is variable and is based on the Prime Rate as stated in The Wall Street Journal plus a margin. The APR is subject to change at any time without notice. The APR will change effective with changes in the Index and will be effective on the first business day of each month. Standard variable APR of 7.74% to 18.00% based on creditworthiness. Rates current as of July 1, 2026. Rates subject to change without notice. There is a 5-year draw period with interest-only payments followed by a repayment period ranging from 15-20 years with equal monthly principal and interest payments. Minimum advance at closing is $5,000, and minimum draw amount is $5,000 during draw period. Loans are based on credit approval and program guidelines. Rates and terms are based on your earned credit score and lien position. No member or other discounts are available. Certain restrictions and conditions apply. Acceptable property hazard insurance is required, as well as flood insurance if the property is in a designated flood zone. Loan amount cannot exceed 80% of the collateral value, less outstanding liens. Example payment: $30,000 for 20 years at 8.00% APR will have a monthly payment of $250.93. Actual rate and payment may vary. Not all borrowers will qualify for lowest rate. Borrowers will be responsible for certain costs which may include origination, processing and recording fees as well as title insurance, appraisal fees and survey costs. Membership required. Texas Home Equity Lines of credit are subject to Section 50(a)(6) of the Texas Constitution.
Mortgage Loan Rates
| Term | Rate (APR) |
|---|---|
| 30 Day Lock: 15, 20, 30 Years | Please contact our Real Estate Loan department for current rates at 713-852-6800 |
Credit Card Rates
Rates Effective: July 1, 2026. All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit.
| Credit Card | Rate (APR) |
|---|---|
| MasterCard Platinum Rewards (Rate & Fee Disclosure) | As low as 17.25%* |
| Shared Secured Credit Card (Rate & Fee Disclosure) | As low as 17.25%* |
*All rates are listed as ANNUAL PERCENTAGE RATE (APR). Certain credit criteria and restrictions apply. Rates, terms, and conditions subject to change. Credit approval required. Rates can vary by term and down payment. Lowest rate is based on your excellent credit history, shortest term available, and maximum relationship product discount. Some Home Equity products may include buy down points to receive as low as rates. Credit card changes require 45 days advance notice. Texas Bay Credit Union is an Equal Housing and Equal Credit Opportunity Lender. The above rates are subject to change without notice. For current rates and more information, please call the credit union at (713) 366-4929.
**Share / Money Market Secured (Variable): Share/Money Market Secured loans are subject to a Variable Rate and the Annual Percentage Rate (APR) can change as a result based on the Credit Union's most recently declared dividend rate being paid on the highest tiered Share/Money Market account ("Index"), plus 3.000% ("Margin"). The Index plus the Margin equals the Interest Rate. We will use the most recent Index value available to us as of the day your account is opened. Changes in the Index will cause changes in the APR Semi-Annually. The rate can change every six (6) months on the first day of the month from the date of Agreement, and the first day of the month every six (6) months thereafter. Each date on which the rate can change is called a ("Change Date"). Increases or decreases in the APR will result in increases or decreases in the Finance Charge and will affect the number of your regularly scheduled payments that you will be required to make. your APR will never be more than 18.00%, or the maximum rate permitted by law, whichever is less. Your APR will never be less than 3.00%.. The APR will not increase or decrease more than 0.50% on any Change Date. Any increase in the APR will result in more payments of the same amount until what you owe has been repaid. For example: If your loan were for $10,000.00 at t 10.00% for 60 months, and the APR increased to 10.50% after 6 months, you will have to make one additional payment.
***Variable Rate Certificate (CD) Secured: The ANNUAL PERCENTAGE RATE (APR) for advances secured by Share Certificate of Deposit (CD) will be equal to the dividend rate being paid on the CD offered as security (Index) plus a margin of 3.00%. Not withstanding this calculation, the APR will never be more than 18.00%, or the maximum rate permitted by law, whichever is less. The APR will never be less than 3.00%. The CD must be continuously renewed until the advance has been completely repaid. When the Certificate is renewed, the APR will be adjusted to reflect the new Index plus the 3.00% Margin (Change Date). Failure to renew will result in default under this plan. Any increase in the interest rate will result in a larger payment due at maturity. The APR will not increase or decrease more than 18% on any Change Date. The APR and Daily Periodic Rate (DPR) will be disclosed on the Receipt (Disbursement Receipt / Voucher) at the time of the advance.
Collection Costs: You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees.
Late Charges: Please refer to your loan contract for late charges and fees you agreed to at the time of closing.
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