Build Your Credit
Save for Your Future
Keep Debt to Minimum
As you begin plan for your future, don't forget to also plan for your financial future!
Texas Bay is here as not just your credit union, but also your financial partner.
This is an exciting time in your life, you might have your first job, you might be preparing to go off to college, you might be saving to purchase your first car! With all these exciting firsts there can also come some confusion, but also the opportunity to really set your financial future on the right path and avoid some headaches and worries down the road.
Texas Bay takes being your financial partner seriously, and we want you to know that we are here to guide you and answer any questions you have along the way so you can achieve your goals.
Just like preparing to go off to college you have to increase your knowledge and create a plan on how to reach your goals. There are 3 things to create a solid foundation for your finances.
- Budget & Save! - Create your budget that is manageable and build savings into it. Whether you have a steady paycheck or you get paid for walking the neighborhood dogs, plan to save a certain % every time.
- Watch Your Debt - Between student loans and credit cards, if you don't understand your debt, interest rates, payment schedules versus the amount of money you have coming in to pay your debts, you can get turned upside down very quickly. Remember, what you borrow today, you have to pay back tomorrow.
- Understand Your Credit - Your credit score is what will determine how much you will pay for things, including your cell phone! Understanding your credit and building your credit score will pay off dividends in the future.
You can always call or visit a Texas Bay branch to have a one-on-one meeting with a Financial Team Member to gain knowledge and insight on how to build your budget, how to limit your debt and how to build your credit. They will help create a solution to get you on the right path for success.
We are also happy to provide you with resources and videos (English and Spanish) to provide you with more Money Management tips and advice geared specifically to you, our youth! You can locate these right here on our website.
College might seem too expensive to attend or you are worried about student loans and debt, but are you taking advantage of all the scholarship opportunities out there?
Did you know that in the 2018-2019 school year 1.7 million scholarships were awarded and there was $2.9 BILLION of unclaimed scholarship money?
Don't miss out on scholarship money to pay for your education! There are tons of resources available online to locate scholarships that you qualify for.
Did you know Texas Bay awards also awards scholarships to 3 Seniors every year?
If you're a junior, mark your calendars to apply in Spring 2022!
We know you have school, studying, athletics, extracurriculars, friends and family...and also the ever important eat and sleep on your to do list every day.
Have you thought about volunteering some time to give back in your community? We all know it looks good on those college applications, but don't stop just because you got into college! Volunteering also helps build your work history and builds a great reputation for you in your community, all while helping others.
You can continue the credit union movement of "people helping people". Check out volunteer websites to find opportunities that interest you and begin today.
You are ready to begin your financial journey and Texas Bay is ready to be right there with you every step of the way! We have solutions made simple with features to help you bank anytime, anywhere!
Begin building your savings with just $1!
It's simple, no minimum balance & no fees, but lots of extras
including contactless payments with your mobile device
Do MORE with LESS time! Texas Bay's digital banking was made for you on the go.
Deposit checks from your phone, set up alerts, turn your card off and on if you suspect fraud
and SO MUCH MORE!!!