Business Rates

Business Rates

Rates Effective: March 1, 2025. For current information, call the Credit Union at (713) 804-6288 or 1-800-577-3164.  This Rate and Fee Schedule for all accounts sets forth certain conditions, rates, fees, and charges at Texas Bay Credit Union, and is incorporated as part of your Account Agreement with us.  
 
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Share Accounts
(Savings) (1)		 Business Share* Business Money Fund*
Dividend Rate
$1,000 to $49,999.99		 0.05% 0.08%
APY*
$1,000 to $49,999.99		 0.05% 0.08%
Dividend Rate
$50,000 to $299,999.99		 0.20% 0.30%
APY*
$50,000 to $299,999.99		 0.20% 0.30%
Dividend Rate
$300,000 to $499,999.99		 0.50% 0.75%
APY*
$300,000 to $499,999.99		 0.50% 0.75%
Dividend Rate
$500,000 to $699,999.99		 1.25% 1.50%
APY*
$500,000 to $699,999.99		 1.26% 1.51%
Dividend Rate
$700,000 and up		 1.50% 2.50%
APY*
$700,000 and up		 1.51% 2.53%
 
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Rates Effective: March 1, 2025. For current information, call the Credit Union at (713) 804-6288 or 1-800-577-3164.  This Rate and Fee Schedule for all accounts sets forth certain conditions, rates, fees, and charges at Texas Bay Credit Union, and is incorporated as part of your Account Agreement with us.  
 
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APY*
Share Drafts
(Checking) (1)		 Simply Business Checking Simply Plus Business Checking Commercial Checking
Dividend Rate
$1,000 to $49,999.99		 0.00% 0.05% 0.05%
APY*
$1,000 to $49,999.99		 0.00% 0.05% 0.05%
Dividend Rate
$50,000 to $299,999.99		 0.00% 0.10% 0.10%
APY*
$50,000 to $299,999.99		 0.00% 0.10% 0.10%
Dividend Rate
$300,000 to $499,999.99
 0.00% 0.25% 0.35%
APY*
$300,000 to $499,999.99		 0.00% 0.25% 0.35%
Dividend Rate
$500,000 to $699,999.99		 0.00% 0.75% 1.00%
APY*
$500,000 to $699,999.99		 0.00% 0.75% 1.00%
Dividend Rate
$700,000 and up		 0.00% 1.00% 2.00%
APY*
$700,000 and up		 0.00% 1.00% 2.02%
  
Rates Effective: March 1, 2025. All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit.

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Credit Card APR
MasterCard Business Platinum Rewards (Rate & Fee Disclosure) (Opens in a new Window) As Low As 16.74%*
Rates Effective: March 1, 2025. All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit.

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Loan Type APR
Commercial Auto- New and Used As Low As 7.74%*
Your funds are secure at Texas Bay!
 
For current information, call the Credit Union at (713) 804-6288 or 1-800-577-3164. This Rate and Fee Schedule for all accounts sets forth certain conditions, rates, fees, and charges applicable to your accounts at Texas Bay Credit Union, and is incorporated as part of your Account Agreement with us.
 
Please note:
Minimum average daily balance of $250.00 is required to earn any dividends for share accounts.
Minimum average daily balance of $500.00 is required to earn any dividends for business money fund accounts.
Minimum average daily balance of $1,000.00 is required to earn any dividends for share draft accounts.
Please ask an associate for details on the minimum balance requirements to earn dividends for each type of accounts.
(1) Share and Share Draft Dividends are calculated based on Simple Interest Method and paid monthly. Former Business Share Draft Accounts are
the same as Simply Plus Checking. Dividend rates and APY are subject to change monthly without notice at the discretion of the Board of Directors.
 
* APY or ANNUAL PERCENTAGE YIELD assumes dividends remain in the account until maturity. Withdrawals or fees reduce earnings.
Dividends are paid at the end of the period from current income and available earnings after required transfers to reserves.
All accounts must remain open through the end of the dividend period or the maturity date to be paid the accrued dividends.
 
*ANNUAL PERCENTAGE RATE (APR). Certain credit criteria and restrictions apply. On consumer loans, the lowest rate is based on your 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. 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.  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) 489-5637.
 
Texas Bay Area Union is federally insured by the National Credit Union Share Insurance Funds, which is backed by the full faith and credit of the U.S. Government. For more information, please visit www.ncua.gov (Opens in a new Window)
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