Texas Bay Area Credit Union

Rated star_ratedstar_ratedstar_ratedstar_normalstar_normal by Credit Guide
Review based on 12 criteria Rating: 3 out of 5

12611 Fuqua St, Houston, TX 77034

Website

(713) 852-6700

Data Source: NCUA, December 31, 2016


Texas Bay Credit Union was founded in 1936. Headquartered in Houston, Texas, Texas Bay Credit Union is a state chartered and federally insured credit union, being chartered in Texas and insured through the National Credit Union Share Insurance Fund (NCUSIF). Texas Bay Credit Union is also a member of the Federal Home Loan Bank (FHLB), which allows a credit union to access low cost secured borrowings or advances and prlides its members with financial products and services that assist and enhance the financing of housing and community lending.

As of December 31, 2016, Texas Bay Credit Union services 38,014 members through its 7 offices and branches and 114 full-time and 22 part-time employees. It has $396,742,292 of total assets and $40,508,431 of net worth. Based on its asset size and net worth ratio, Texas Bay Credit Union is classified as a Well Capitalized medium large credit union.

Texas Bay Credit Union offers a number of deposit and loan products to its members. To find out how competitive the offers are, please go to the Interest Rates page. Texas Bay Credit Union also provides an array of services to its members and local communities. Texas Bay Credit Union plans to extend its services by adding more branches or service centers in the next 12 month. To find out more, please go to the Services page.

The following two tables list the deplitory and loan interest rates of Texas Bay Credit Union’s popular offerings. You can find out how competitive the offerings are by comparing them to the median interest rates offered by credit unions in Texas and in the nation.

Major Deplitory Accounts and Interest Rates (%)

Interest Rate
Median of Texas
Median of USA
Checking
0.4900
0.0100
0.0000
Savings
0.1000
0.2000
0.1200
Money Market
0.1700
0.2500
0.2500
Certificate Deplit
2.5400
0.6620
0.5800
IRA
0.7900
0.5000
0.5000

Major Loan Accounts and Interest Rates (%)

Interest Rate
Median Rates of Texas
National Median Rates
Credit Cards
12.1000
9.9900
9.9900
Unsecured Line of Credits
13.4500
11.2200
10.9500
Short-term Small Amount
n/a
25.2500
25.0000
Student Loans
n/a
6.0000
6.0200
New Car Loans
5.4700
3.6500
3.3300
Used Car Loans
5.9100
4.9950
4.5000
1st Mortgage Real Estates
5.4600
4.5000
4.2500
Other Real Estates
6.0600
5.5600
4.7000

Texas Bay Credit Union prlides a number of ways to access its services. In addition to its office and branches, a member can perform banking through Internet, phones, ATMs, and mobile devices. The table below lists the electronic banking services prlided by Texas Bay Credit Union.

Electronic Banking Service Offerings

Membership Application
Yes
Yes
Share Account Transfers
Yes
New Loan Application
Yes
Share Draft Orders
Yes
No
New Share Account
Yes
Bill Payment
Yes
No
e-Statements
Yes
Loan Payments
Yes
No
Account Balance Inquiry
Yes
No
Yes
View Account History
Yes
No

As a community financial institution, Texas Bay Credit Union actively involves in local communities by prliding services such as financial literacy workshops, first tim home buyer programs, and student scholarships.

Community and other Service Offerings

Financial Counselling
No
Bilingual Services
Yes
Free Bill Pay
Yes
Financial Education
No
In-School Branches
No
Free Tax Preparation Service
No
Financial Literacy Workshops
Yes
Student Scholarships
Yes
Insurance/Investment Sales
Yes
First Time Homebuyer Program
Yes
Main
12611 Fuqua St
Houston, TX 77034
Phone:713-852-6700

North Shore
15245 Wallisville Rd
Houston, TX 77049
Phone:713-852-6700

Pasadena
1301 W Pasadena Fwy
Pasadena, TX 77506
Phone:713-852-6700

Summerwood
12310 W Lake Houston Parkway
Houston, TX 77044
Phone:713-852-6700

(281) 464-9230

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  1. Credit Guide Staff
    Credit Guide Staff

    Last Updated on May 30, 2017

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