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Routing: 313082935

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About Us


There are a lot of great things that make Texas Bay Credit Union unique, with the most important difference being that we are a local, not-for-profit financial institution focused on serving our members. Therefore, our net earnings are returned to our members in the form of lower interest rates on loans, higher dividends on deposits, low fees, and FREE products and services. We measure our success by maintaining a secure financial position, increasing membership growth and member satisfaction.

Texas Bay Credit Union prides itself in being involved in our community. Many employees volunteer their time to participate in locally sponsored events, charitable fundraisers, educational events and sponsorships. Texas Bay is a strong supporter of educational programs that offer scholarships, grants, and other opportunities to help educate our children.  Plus, Texas Bay continues to offer annual scholarships to graduating high school seniors.


Mission and Values

Our Mission

The mission of Texas Bay Credit Union is to offer each member the right product, at the right time, and delivered the right way.

Our organizational vision is to stand out as the leading financial institution serving the Houston metropolitan area. We will achieve this vision by listening, by learning, and above all by putting our members first.

Our Values

Collectively, Texas Bay CU has established a set of core values which, as an organization we will adhere to, concerning all aspects of credit union business. We will individually and as a team:

  • Speak in “I Can’s”, not “I Cant’s”
  • Be honest and truthful, showing respect for others
  • Deliver what we promise
  • Commit fully to a team effort
  • Be loyal to Texas Bay CU, our members, and to one another
  • Have fun!

By establishing these values, it is Texas Bay Credit Union’s hope that our level of service and accountability will be heightened and felt by you, our members.

Our History – Excellence in Service since 1936!

Texas Bay Credit Union was formed on May 18, 1936 and was originally chartered as Houston Sinclair Refinery Employees’ Federal Credit Union. The meeting to form the credit union was held at the Pasadena High School in front of 225 people and was led by Mr. Bergeron, a representative of the federal government. A charter fee of $25.00 was paid to the U.S. Treasury to establish the credit union.

At that time, a membership share was set at $5.00, the maximum deposit limit was $200, the maximum amount for a secured loan was $200 and the maximum amount for an unsecured loan was $50. The dividend rate was set at 6 percent, to be paid annually.

The credit union’s first meeting was held on June 3, 1936 when these credit union officials were elected: L. E. McMakin, president; G. L. Hess, vice president; W. B. Joseph, treasurer and M. A. Joanen, secretary. The Board of Directors requested that the treasurer should be bonded for $1,000 as soon as possible. The credit union started its operation from inside the Sinclair refinery plant.

In 1962, the board of directors voted to change the name to Sinclair Houston Credit Union and in the 1970s the name changed to Atlantic Richfield Credit Union. The name Texas Bay Area Credit Union was adopted in the 1990s and effective June 29, 2015, the name was modified to Texas Bay Credit Union.

Annual Report Information

Click here for the 2019 Annual Report.

As a member of Texas Bay Area Credit Union, you are an owner and have the right to various types of information about your credit union in accordance with the Texas State Finance Code 15.4105. Texas Bay produces an annual report that is made available during the Annual Meeting and on this website.

Information available for you to learn more about your credit union includes:

You also may view a summary of the most recent annual audit, the most recent statement of financial condition, the IRS Form 990, as well as any other documents consistent with applicable laws or regulations. Thank you for your membership.


Board of Directors

Rudy Wright, Chairman

Tom Merchant, Vice-Chairman

Raymond Andrews, Secretary

John Swanson, Treasurer

Larry Clowers, Director

Mark Wygant, Director

Mike Cacciotti, Director

Wayne Otwell, Director

Jeff Barba, Director

Ron Rainer, Advisory Director

Curt Burnett, Advisory Director

Management Team

Jesse Gutierrez, President & CEO

Syed Dinar, Executive Vice President & Chief Financial Officer

Dennis Y’Barbo, Vice President, Chief Technology Officer

Brian Ellis, Vice President, Marketing & Business Development

Brandy Guzman, Vice President of  Branches

Rachel Hunt, Vice President, Lending & Training

Roseanna West, Vice President, Mortgages

Chelly DeLeon, Vice President, Human Resources

Jeremy Bratton, Vice President, Compliance/Training


Business Partnership Program

Texas Bay Credit Union continues to grow, providing competitive financial services to both the local and business community.  Membership is available to the employees of any local business or organization within the credit union’ field of membership.

Lear more about the Texas Bay Business Partnership Program.



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