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Call now 713.852.6700

Routing: 313082935

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At Texas Bay, You Are Not a Customer. You Are a Member.

We build relationships with our members and help them save money every day

As a member of Texas Bay Credit Union, you’ll see we’ve brought the idea of relationship banking to a whole new level. Whether you’re opening your first checking account or thinking about investing long-term in an IRA, we’ll help you choose the right financial product. And with our online and mobile banking, you’ll find it easy to manage your accounts, wherever you are.

“Credit” is our middle name.  We offer competitively priced loan products and have helped thousands of members save from high-rate loans with our quick and easy refinancing program.  We offer a FREE Credit Score Enhancement program that informs you where your credit is at the time of the review, what makes up your score, and why your score is where it is at now.

First, review this page to learn how we can help your financial needs.  Then schedule a visit with one of our friendly Financial Service Representatives.  Thank you for your interest in Texas Bay Credit Union.  We want to help with all your financial needs!




Refinance and FREE UP CASH!

Texas Bay is a full spectrum lender.  Whether it is a car loan, personal loan, credit card, or a mortgage product, we can help you get there.  Refinancing your loans to Texas Bay can significantly lower your payments and interest costs over the remaining life of your loans.  Rates are at an all time low.  First, let’s review how much interest you are currently paying on loans at other financial institutions.  Whether it’s your car loan, personal loan, or mortgage, Texas Bay will review each loan and propose a total savings.  Visit one of our Financial Service Representatives to review refinancing strategies to get you the savings you want:

*Approval required.

Credit Cards

Transfer balances from high-rate cards and SAVE!

Another great plan is to transfer balances on credit cards to our low-rate Texas Bay MasterCard Platinum Rewards credit card.  Lower payments to pay down balances faster.  Free up credit line capacity and improve your credit score.  Save with lower interest costs.  Plus, take advantage of our rewards program for travel and merchandise discounts.  Visit a Financial Service Representative to start saving today!

  • 0% APR¹ – 6 Month Introductory Balance Transfer Rate²
  • SPECIAL 5.80% APR¹ Introductory Rate³
  • FREE Rewards Program – UChoose Rewards
  • FREE MasterCard Travel and Insurance Benefits
  • No annual Fee
  • Great Rates
  • Apply Today!
¹APR means Annual Percentage Rate.  Certain credit criteria and restrictions apply. As low as rate is based on lowest available term. Credit card rates will vary with the market based on the Prime Rate as published in the Wall Street Journal and my 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. Transfer fees may apply.
²0% rate is available on balances transferred only. After 6 months, your rate will return to the rate you are approved for at the time of application.
³The 5.80% Introductory Rate is available on new credit card purchases for the first 6 months.  After then, the rate will change the rate based on your credit at the time o approval and will be applied to all new purchases.

Checking Accounts

Open a Simply FREE Checking Account, Get a FREE Gift!

Your search is over.  Whether personal, business or both, we have the checking account you’ve been looking for that will make you financially fit.  In addition to a FREE gift, we will buy back your unused checks and debit card from another financial institution.  Start the savings TODAY.

  • Consumer Checking Accounts – We have the account that fits you!
  • Business Checking Accounts – From a start up company to corporation, we have the account that fits your business!
  • FREE Gift at Account Opening
  • FREE Checks on Some Accounts
  • FREE Electronic Services
  • No Monthly Service Fee^

^Available on most accounts offered.

FREE Services

Save by using our FREE services everyday

Not only will Texas Bay be your personal trainer for your finances, we will help you save everyday with our FREE services.  Collectively, Texas Bay products and services offer the best value in town!

Visit with one of our Financial Service Representatives to get all these great deals TODAY!

*Requires approval.


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