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Routing: 313082935

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The simplest way to meet your personal and family financial goals.

And as a saver, you’re also a part owner of Texas Bay Credit Union.

Whether you’re saving to make a dream come true or to safeguard against the unexpected, our Savings Account can help you meet your goal. Watch your savings grow with competitive dividends credited each month on daily balances of $100 or more, and have easy access to your money when you need it. With just a $1 minimum balance, you’ll enjoy a variety of credit union services, including FREE electronic services, low rate loans, a variety of deposit products, and more.


As a Texas Bay Savings Account holder, you’re officially a member and owner of a credit union. That means

  • Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Administration, a U.S. Government Agency. An additional $250,000 of coverage is provided by Excess Share Insurance Corporation), a private corporation.
  • You’ll receive competitive dividends credited monthly on daily balances of $100 or more.
  • You’ll have access to low-rate loans, mortgages, and a credit card.

Christmas Club Account

If you want to get a jump start on Christmas, open a Christmas Club Account.  Using payroll deduction or automatic transfers, you can build up the funds you need, when you need it, without straining your wallet.

  • Only $1 to Open
  • No Deposit Limits
  • Keeps You Saving With No Withdrawals (unless closing the account)
  • Account Balance is Automatically Transferred to Your Regular Savings in November

Open your Christmas Club Account today to be prepared for holiday shopping!

Certificate of Deposits

A profitable investment for the future, CDs let you lock in a higher fixed rate of return than savings accounts.

Available in six-month to 60-month time frames. With just a $1000 minimum, you can invest in a safe and sound Certificate of Deposit (CDs) that earns a higher dividend than savings accounts do. You pick the term – from six months to 60 months – and earn interest that’s paid and posted quarterly.

*Note: Remember to add an additional $250,000 to the NCUA Insurance. In addition to your accounts being covered by the National Credit Union Association (NCUA) to a minimum of $250,000, TBCU provides Excess Share Insurance of an additional $250,000 protection.


  • Open with just a $1,000 deposit
  • Savings are insured up to $500,000, the highest level of combined federal/private share savings insurance available, through Excess Coverage from Excess Share Insurance.


Bonus Money Fund

Grow your money faster with our “Super Savings” account.

High rate of interest with just a $500 minimum balance. Access your funds anytime – no time limits or early withdrawal penalties. With higher rates than a regular savings account, money market accounts help you grow your funds faster while also giving you access to your money without fees or penalties. Just keep a minimum of $500 in your account. Unlimited transactions – minimum $150 withdrawals – allowed at any of our branches.


Texas Bay Credit Union members who have a Bonus Money Fund account have access to:

  • Excess Deposit Insurance
  • Mobile banking
  • eStatements
  • Online banking
  • Texas Bay Bill Pay



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