NCUA Insured
Member-Owned
2 charter
Established in 1936
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Houston, TX may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
2 charter
Established in 1936
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Houston and serves members in the TX area. Currently serving 60,529 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
6.23%Used Auto Loan
6.79%Personal Loan
7.97%Credit Card APR
15.78%Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.
Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.
Lowest rates currently reported by credit unions in TX (NCUA Q4 2025).
Odessa, TX
Houston, TX
Amarillo, TX
Levelland, TX
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
4.8
2,087 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsConnie Miller
3 months ago
The financing experience at Texas Bay Credit Union was fast and professional. Erica Jones made sure our data uploads were secure. She communicated with me in a professional manner and worked diligently to get me the best rate possible. Erica informed me about additional credit union products (like GAP and Extended Warranty) that were reasonably priced and offer protection of my investment and financial piece of mind. Erica stayed on top of my paperwork to ensure underwriting received and reviewed the data promptly, which resulted in the fast turnaround. I would definitely work with Erica on any future needs. She made my decision to use Texas Bay Credit Union a WIN WIN for everyone.
James Brown
3 months ago
I had an excellent experience working with Luis Barrera while securing loan for my new car, from starting to finish, Luis was professional, knowledgeable, and incredibly helpful. He took time to explain all my options clearly, and answer every questions I had, and made the entire processx smooth, and stress- free. Thank you, Luis!!!
matt wright
3 months ago
Mauricio, was absolutely amazing and helped me get through the lone process. When one thing did not workout for me. He found another route always trying to help find away. He also helped me open an account.And get things rolling with the automatic withdrawal for my truck note. I will definitely be using him in the future.For any future loans etc.
Esmeralda Nunez
3 months ago
What can I say, Google reviews did not disappoint and neither did Carlos Guevara at the fuqua branch! Went in to discuss business about refinancing my auto loan, went in prepared with all my documents and Carlos took care of the rest, hassle-free! Went in on a Thursday afternoon and by the next day (Friday) he texted me saying the auto loan is refinance! Process was stress-free and smooth! You need any financial help, Carlos is your guy!! He is really down to earth with his clients. Thank you so much for making this my early birthday gift!!!
Myesha Boudreaux
4 months ago
I opened up my account with no challenge with no issue. Adriana Taylor was amazing. She took her time, explained everything, and she empathize with me on my financials and she did not make promises that she was not able to keep. She reassured me. She would do the best that she can to help me meet my financial goals, which is better than a promise at any day I think her so much.
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(713) 852-6700Website
Visit WebsiteMembers
60,529
Total Assets
$890.7M
Year Opened
1936
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile