TEXAS BAY CREDIT UNION

Welcome to Texas Bay, where our commitment to serving the Houston community has been unwavering since we opened our doors in 1936. Located at 12611 Fuqua St, Houston, TX 77034, we pride ourselves on being more than just a financial institution; we're your partners in achieving financial success. With a robust membership of 57,572 and total assets exceeding $841 million, Texas Bay stands as a reliable choice for personal and business banking needs. Our dedicated team, led by CEO Jesse Gutierrez and Board President Rudy Wright, works tirelessly to provide you with exceptional services. We offer a variety of products, including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our focus is on delivering value to our members while ensuring that their financial goals are met. At Texas Bay, we understand the importance of community impact. With total deposits of $91,165,726 and net worth of $66,849,578, we have the resources to support local initiatives and help our members thrive. Additionally, our total loans amount to 40,937, reflecting our dedication to empowering individuals and businesses in their financial journeys. While members can visit us at our branch for all banking needs including lobby hours Monday through Friday from 9:00 a.m. until 5:00 p.m., and Saturday drive-thru service from 9:00 a.m. until 12:00 p.m. official correspondence should be sent to the same address. We invite you to explore what Texas Bay has to offer by visiting our website at www.texasbaycu.org or calling us at 713-852-6700. Let us help you navigate your financial future with confidence!

At Texas Bay, we believe that joining our community is not just about opening a bank account it's about becoming part of a supportive family that truly cares for its members. If you're wondering whether you can become a member, the good news is that eligibility is designed to be inclusive! Generally, anyone who lives, works, worships, or attends school in the Houston area can become part of our credit union family. To find out more specific details about who qualifies, feel free to check out our eligibility page at texasbaycu.org. Becoming a member at Texas Bay offers you numerous benefits, including access to competitive rates on loans and savings products tailored to your needs. Plus, our friendly team is always here to help you navigate your financial journey. When you're ready to take the next step, opening an account is simple! Just visit our account opening page at texasbaycu.org or give us a call at 713-852-6700 for assistance. We're excited to welcome you into our Texas Bay family!

At Texas Bay, we understand that banking should be as convenient and secure as possible. That's why we offer a range of digital and online banking services designed to fit your busy lifestyle. Whether you're at home or on the go, managing your finances is just a click away. One of the standout features of our services is our 24/7 online banking, available at https://www.texasbaycu.org/ . This allows you to check balances, transfer funds, and pay bills anytime you need to. You can also set up e-statements, which means you'll receive your account statements electronically, making it easier to keep track of your finances while reducing paper clutter. For those who love using their smartphones, our mobile application makes banking a breeze. With features like mobile payments, you can make purchases directly from your phone with just a tap. Plus, you can send money quickly and easily with our person-to-person transfers, allowing you to share costs with friends or family without the hassle of cash. Security is a top priority at Texas Bay. We use electronic signature authorization for safe transactions, ensuring that your sensitive information is protected every step of the way. Our user-friendly platform makes it simple to navigate through various services while giving you peace of mind. All these features work together to provide real-time account management at your fingertips, making banking not just easier but also more accessible. Experience the future of banking with us today!

At Texas Bay, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that in today's uncertain economic environment, you want to know your finances are in good hands. That's why we are proud to share the strength of our financial foundation with you. With a net worth of $66,849,578, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $794 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $314,718,019 in share certificates and $38,967,869 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $9,376,329, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $60,644,011 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to lending is reflected in our $6,506 in used auto loans and $597,311,691 in total loans and leases. This lending capacity supports members' financial goals across various sectors. Our operational efficiency shines through with a net income of $333,547, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 170 full-time employees and 12 part-time employees who are dedicated to providing excellent service at all times. The strength of our credit union is further illustrated by our net shares available for lending and investments amounting to $4,056,267. Additionally, we have a strong member base with a total of 88,606 share accounts that trust us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Texas Bay is your trusted partner. Visit us at 12611 Fuqua St Houston Tx 77034 or call (713) 852-6700 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.