Texas Bay Credit Union

Houston, Texas
Last verified: August 4, 2026
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Verified rate book

Current Texas Bay Credit Union rates

68 published offers verified as of August 4, 2026.

How we verify rates

Auto & vehicle rates

14 offers
Texas Bay Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Auto Loans - Used & New (0-36 months)auto_any_36mo3.940% APR3.940%36 mo · anyStandard
Auto Loans - Used & New (37-48 months)auto_any_48mo3.940% APR3.940%48 mo · anyStandard
Auto Loans - Used & New (49-60 months)auto_any_60mo4.140% APR4.140%60 mo · anyStandard
Auto Loans - Used & New (61-72 months)auto_any_72mo4.290% APR4.290%72 mo · anyStandard
Auto Loans - Used & New (73-84 months)auto_any_84mo5.440% APR5.440%84 mo · anyStandard
Motorcycle Loans - Used & New (0-48 months)motorcycle_any_48mo6.990% APR6.990%48 mo · anyStandard
RV / ATV / Boat / Watercraft Loans - Used & New (0-48 months)rv_any_48mo8.260% APR8.260%48 mo · anyStandard
RV / ATV / Boat / Watercraft Loans - Used & New (49-65 months)rv_any_65mo8.260% APR8.260%65 mo · anyStandard
Motorcycle Loans - Used & New (49-65 months)motorcycle_any_65mo8.490% APR8.490%65 mo · anyStandard
RV / ATV / Boat / Watercraft Loans - Used & New (66-72 months)rv_any_72mo8.990% APR8.990%72 mo · anyStandard
Motorcycle Loans - Used & New (66-72 months)motorcycle_any_72mo8.990% APR8.990%72 mo · anyStandard
RV / ATV / Boat / Watercraft Loans - Used & New (73-84 months)rv_any_84mo9.490% APR9.490%84 mo · anyStandard
Motorcycle Loans - Used & New (73-84 months)motorcycle_any_84mo9.490% APR9.490%84 mo · anyStandard
RV / ATV / Boat / Watercraft Loans - Used & New (85-120 months)rv_any_120mo9.990% APR9.990%120 mo · anyStandard

HELOC rates

11 offers
Texas Bay Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Home Equity Loans - 1st Lien (60 months)heloc_fixed5.340% APR5.340%—Standard
Home Equity Loans - 2nd Lien (60 months)heloc_fixed5.940% APR5.940%—Standard
Home Equity Loans - 1st Lien (120 months)heloc_fixed6.040% APR6.040%—Standard
Home Equity Loans - 1st Lien (240 months)heloc_fixed6.340% APR6.340%—Standard
Home Equity Loans - 1st Lien (180 months)heloc_fixed6.340% APR6.340%—Standard
Home Equity Loans - 2nd Lien (120 months)heloc_fixed6.640% APR6.640%—Standard
Home Equity Loans - 1st Lien (360 months)heloc_fixed6.640% APR6.640%—Standard
Home Equity Loans - 2nd Lien (240 months)heloc_fixed6.940% APR6.940%—Standard
Home Equity Loans - 2nd Lien (180 months)heloc_fixed6.940% APR6.940%—Standard
1st Lienheloc7.740% APR7.740%—Standard
2nd Lienheloc8.240% APR8.240%—Standard

Personal loan rates

7 offers
Texas Bay Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Share-Secured Loanpersonal_secured3.000% APR3.000%—Standard
Signature Loans (0-24 months)personal_unsecured_24mo10.490% APR10.490%24 moStandard
Signature Loans (25-36 months)personal_unsecured_36mo11.990% APR11.990%36 moStandard
Signature Loans (37-48 months)personal_unsecured_48mo12.990% APR12.990%48 moStandard
Signature Loans (49-60 months)personal_unsecured_60mo13.990% APR13.990%60 moStandard
Signature Loans (73-84 months)personal_unsecured_84mo14.990% APR14.990%84 moStandard
Signature Loans (61-72 months)personal_unsecured_72mo14.990% APR14.990%72 moStandard

Savings & CD rates

36 offers
Texas Bay Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
High Yield Share Draft Rates (Dividend Rate $250 to $4,999.99)savings0.02% APY0.02%—Standard
High Yield Share Draft Rates (Dividend Rate $20K to $49,999.99)savings0.02% APY0.02%—Standard
Share Account Rates (Dividend Rate $20K to $49,999.99)share_savings0.03% APY0.03%—Standard
Dividend Rate $100 to $4,999.99savings0.03% APY0.03%—Standard
Share Account Rates (Dividend Rate $100 to $4,999.99)share_savings0.03% APY0.03%—Standard
High Yield Share Draft Rates (Dividend Rate $50K to $99,999.99)savings0.05% APY0.05%—Standard
High Yield Share Draft Rates (Dividend Rate $100,000 to $149,999.99)savings0.08% APY0.08%—Standard
High Yield Share Draft Rates (Dividend Rate $150,000 to $199,999.99)savings0.10% APY0.10%—Standard
High Yield Share Draft Rates (Dividend Rate $200,000 to $299,999.99)savings0.11% APY0.11%—Standard
High Yield Share Draft Rates (Dividend Rate $300,000 to $499,999.99)savings0.11% APY0.11%—Standard
High Yield Share Draft Rates (Dividend Rate $500,000 and up)savings0.11% APY0.11%—Standard
Share Account Rates (Dividend Rate $50K to $99,999.99)share_savings0.12% APY0.12%—Standard
Share Account Rates (Dividend Rate $100,000 to $149,999.99)share_savings0.28% APY0.28%—Standard
Share Account Rates (Dividend Rate $150,000 to $199,999.99)share_savings0.45% APY0.45%—Standard
Share Account Rates (Dividend Rate $200,000 to $299,999.99)share_savings0.75% APY0.75%—Standard
Share Account Rates (Dividend Rate $300,000 to $499,999.99)share_savings1.00% APY1.00%—Standard
Dividend Rate $500,000 and upsavings2.25% APY2.25%—Standard
Share Account Rates (Dividend Rate $500,000 and up)share_savings2.25% APY2.25%—Standard
APY* $500,000 and upsavings2.27% APY2.27%—Standard
Share Account Rates (APY* $500,000 and up)share_savings2.27% APY2.27%—Standard
Certificatecd3.00% APY3.00%—Standard
Certificates of Deposit (CD) & IRA Rates (36 to 47 Months)ira_cd_47mo3.20% APY3.20%47 moStandard
Certificates of Deposit (CD) & IRA Rates (18 to 23 Months)ira_cd_23mo3.20% APY3.20%23 moStandard
Certificates of Deposit (CD) & IRA Rates (24 to 35 Months)ira_cd_35mo3.20% APY3.20%35 moStandard
Certificates of Deposit (CD) & IRA Rates (Flex CD 1 ($100 minimum to open))ira_cd3.30% APY3.30%—Standard
Certificates of Deposit (CD) & IRA Rates (12 to 17 Months)ira_cd_17mo3.30% APY3.30%17 moStandard
Certificates of Deposit (CD) & IRA Rates (48 to 59 Months)ira_cd_59mo3.30% APY3.30%59 moStandard
Flex Certificatecd_12mo3.35% APY3.35%12 moStandard
60-Month IRA Certificateira_cd_60mo3.35% APY3.35%60 moStandard
Flex Certificate of Depositcd3.35% APY3.35%—Standard
Certificates of Deposit (CD) & IRA Rates (6 to 11 Months)ira_cd_11mo3.40% APY3.40%11 moStandard
IRA Certificateira_cd3.40% APY3.40%—Standard
60-Month IRA Certificateira_cd_60mo3.45% APY3.45%60 moStandard
Regular Certificatecd_60mo3.45% APY3.45%60 moStandard
Jumbo Certificatecd_60mo3.97% APY3.97%60 moStandard
Callable Certificatecd_60mo4.33% APY4.33%60 moStandard

Vehicle loans available from 3.94% APR for 36 months. HELOC rates from 5.34% APR. Personal loan rates from 3% APR. Savings and certificate yields up to 4.33% APY.

Source: RateAPI.dev, verified from Texas Bay Credit Union's official website

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About Texas Bay Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
61.1K
Assets
$902.2M
Founded
1936
Locations reported
10
NCUA charter
67465
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial education
  • First-time homebuyer program
  • Bilingual services
  • Student scholarships
  • Credit-builder products

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

I.b.e.w. Lu 66IBEW LU 66 FCU · PASADENA · TX · 77504About 2.3 miles awayGulf Coast EducatorsPasadena Office · Pasadena · TX · 77505About 3.9 miles awayShellFairmont · Pasadena · TX · 77505About 3.9 miles awayAmocoClear Lake City Branch · Houston · TX · 77062About 4.4 miles awayEssentialHouston Texas · Houston · TX · 77059About 4.5 miles awayFirst ServiceGulf Freeway Branch · Houston · TX · 77075About 4.6 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Texas Bay Credit Union

Membership eligibility from Texas Bay Credit Union's own published criteria. How we verify this.

Community charter: live/work in Harris, Chambers, Liberty +5 more

  • LocationHarris, Chambers, Liberty, Montgomery, Waller, Fort Bend, Brazoria, Galveston

Cost to join: About $1.

Verified from Texas Bay Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does Texas Bay Credit Union offer?

Texas Bay Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Texas Bay Credit Union rates updated?

RateAPI verifies Texas Bay Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Texas Bay Credit Union's rate data?

Rate data is collected directly from Texas Bay Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What are Texas Bay Credit Union's auto, rv & motorcycle loan rates?

As of August 4, 2026, Texas Bay Credit Union offers vehicle loans from 3.94% APR.

What is Texas Bay Credit Union's HELOC rate?

As of August 4, 2026, Texas Bay Credit Union offers home equity lines of credit from 5.34% APR.

What is Texas Bay Credit Union's personal loan rate?

As of August 4, 2026, Texas Bay Credit Union offers personal loans from 3% APR.

What is Texas Bay Credit Union's best CD rate?

As of August 4, 2026, Texas Bay Credit Union offers savings and certificate (CD) yields up to 4.33% APY.

Related Rate Data

Compare Texas Bay Credit Union's rates against national credit-union benchmarks.

More Texas credit unionsAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

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  -H "Authorization: Bearer YOUR_API_KEY"
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