
Loan Rates
Rates Effective: May 1, 2023. All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit.
Rates Effective: May 1, 2023. All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit.
Rates Effective: May 1, 2023. All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit.
Rates Effective: May 1, 2023. All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit.
*All rates are listed as ANNUAL PERCENTAGE RATE (APR). Certain credit criteria and restrictions apply. Lowest rate is based on your excellent credit history, loan terms, and relationship product discounts (up to 2 products with the credit union). As low as rate is based on lowest available term. Some Home Equity products may include buy down points to receive as low as rates. Credit card rates will vary with the market based on the Prime Rate as published in the Wall Street Journal and may increase. The credit card APR is determined by adding a margin to the Prime Rate (see your credit card agreement for additional information). 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.
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.
Minimum Payment: For Line of Credit advances, your monthly payment will be $5 for each $100 outstanding balances (rounded up to nearest $100 increment). Your minimum payment will never be less than $25. For Automatic Overdraft Protection, your monthly will be $5 for each $100 outstanding balance or the entire outstanding balance, whichever is less. LOC rates adjust quarterly. The rate cannot increase or decrease more than 1/2% in any three month period. Any increase or decrease in the APR will affect the number of monthly payments you will make under the account. Any increase in the APR will result in more payments of the same amount until what you owe has been repaid.
Minimum Advance: For Line of Credit advances, the Minimum Advance is $50.00 for each advance. There is no minimum for Automatic Overdraft Protection Advances.