Texas Bay Credit Union Houston TX | Low Mortgage Rates & Business Loans

Introduction

Welcome to Texas Bay, your trusted financial partner located at 12310 W Lake Houston Parkway, Houston, TX 77044. Established in 1936, our credit union has been dedicated to serving our community with reliable financial solutions for over 85 years. With a strong membership base of 57,572 members and total assets amounting to an impressive $841,526,290, we are committed to helping you achieve your financial goals. At Texas Bay, we understand that banking is more than just transactions; it's about building relationships and fostering a sense of belonging. Our team of 182 employees, led by CEO Jesse Gutierrez and Board President Rudy Wright, works tirelessly to provide personalized service tailored to your needs. Whether you're looking for checking accounts, auto loans, or business financing options, we've got you covered. While members can visit us at our branch location, official correspondence should be sent to 12611 Fuqua St, Houston, TX 77034. Our goal is to create a welcoming environment where you feel valued and supported on your financial journey. With total loans reaching 40,937 and deposits totaling $91,165,726, Texas Bay stands as a pillar of strength in the community. We also maintain a solid net worth of $66,849,578 and have cash reserves of $5,002,645, ensuring we are well-equipped to meet your needs today and into the future. Explore the array of services we offer online at Texas Bay Credit Union, or give us a call at 713-852-6700. Join us today and experience the difference that comes from being part of a credit union that truly cares about its members!

Branch History & Mission

Community Engagement

At Texas Bay, we believe in giving back. Our partnerships with local organizations underscore our commitment to community outreach. We actively participate in events and initiatives that uplift those around us, ensuring that we not only focus on financial growth but also on building a thriving community. As part of our dedication to member satisfaction, we have embraced technological advancements that enhance your banking experience. From online banking and mobile payments to e-statements and person-to-person transfers, we've made it easier than ever for you to manage your finances securely.

Join Us

As we continue to grow now boasting total assets exceeding $841 million we invite you to be part of our journey. Explore the benefits of membership today by visiting Texas Bay's website or call us at 713-852-6700 for more information. Your financial future deserves the best support possible. Join Texas Bay today and experience how we blend quality service with genuine care for our members!

Our Mission

Our mission at Texas Bay is clear: to provide exceptional financial services while fostering a strong sense of community support. We strive to empower our members through innovative banking solutions tailored to their needs. Whether it's personal banking options like checking and savings accounts or loans for vehicles and homes, we are dedicated to helping our members achieve their financial goals. We understand that accessibility is crucial. That's why we offer convenient operating hours from Monday through Friday, 9:00 a.m. to 5:00 p.m., and on Saturdays from 9:00 a.m. until 12:00 p.m., along with ATM availability and drive-thru services for added ease.

Branch Location & Accessibility

Accessibility Features

At Texas Bay, we prioritize accessibility for all our members. Our branch is equipped with ADA-compliant features, including ramps for easy entry and ample parking available nearby. You'll find both lobby and drive-thru banking options that are designed to serve you efficiently.

Operating Hours

Our doors are open Monday through Friday from 9:00 a.m. until 5:00 p.m., and on Saturdays from 9:00 a.m. until 12:00 p.m. This schedule allows you to visit us during convenient hours that fit your busy lifestyle.

Services Offered

We offer a wide array of services tailored to meet your banking needs. From personal checking and savings accounts to auto loans, mortgage financing, and credit cards with rewards, we have something for everyone. Plus, with our ATM availability and shared service center access, banking has never been easier.

Visit Us Today!

We invite you to stop by our Summerwood branch or give us a call at 713-852-6700 if you have any questions or need assistance. Our friendly staff is ready to help you with all your banking needs!

Member Eligibility

At Texas Bay, we believe that everyone deserves a chance to be part of a caring and supportive community. If you're looking to join us, you'll be pleased to know that becoming a member is simple and welcoming. Our eligibility criteria are open to individuals who live, work, or worship in the Houston area, as well as their family members. This means you can share the benefits of membership with those you care about! To get all the details on what it takes to become a member, feel free to visit our eligibility page at https://www.texasbaycu.org/about-us/become-a-member. Once you're ready to take the next step, opening an account with us is easy! Just head over to our account opening page at https://www.texasbaycu.org/open-an-account for a straightforward process that puts you on the path to enjoying great services like personal banking, auto loans, and more. If you have any questions or need assistance, don't hesitate to reach out at (713) 852-6700. We look forward to welcoming you into the Texas Bay family!

Business Banking & Commercial Services

Financing Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $4 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $5,564,838, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Matter

In addition to loans, we offer tailored merchant services designed to make everyday transactions smoother for your business. Imagine having the ability to accept payments easily while managing cash flow effectively. Our services help you serve your customers better, ensuring you stay competitive in today's market. Visit us at 12310 W Lake Houston Parkway Houston Tx 77044 in Houston, TX or give us a call at (713) 852-6700 to learn how we can assist you on your journey to success!

Comprehensive List Of Services

ATM and Drive-Thru Services

We know that sometimes you need quick access to cash or assistance with simple transactions. Our ATM services allow for easy withdrawals and balance checks without stepping inside the branch. Additionally, our drive-thru service makes it simple for you to handle deposits and withdrawals without leaving your car a perfect solution when you're busy!

Business Banking

If you're a business owner, you'll appreciate our comprehensive business banking services. From merchant services that streamline payments to business loans designed to help you grow, we are here to support your ambitions.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why Texas Bay offers robust online and mobile banking features. You can manage your accounts from anywhere whether at home or on the go through our user-friendly app or website. Transfer funds, pay bills, and even access person-to-person payment services with just a few taps on your smartphone.

Personal Banking

Our personal banking options include checking and savings accounts that help you manage your money efficiently. Imagine having easy access to your funds while earning interest on your savings. With us, it's not just about the numbers; it's about making your financial life easier. Our auto loans and vehicle financing options allow you to hit the road with confidence. We also offer mortgage loans and refinancing solutions, ensuring that owning a home becomes a reality for many of our members. For those unexpected expenses or consolidating debt, our personal loans provide flexible options to help ease your financial burden. Plus, don't forget to check out our credit cards with rewards because who doesn't love earning points on everyday purchases?

Shared Branching

As a member of Texas Bay, you also gain access to shared branch transactions for partner credit union members. This means more locations where you can perform deposits and withdrawals easily. At Texas Bay, we believe in empowering our members through accessible financial services that fit their lifestyles. For any questions or additional information about how we can assist you further, don't hesitate to reach out at 713-852-6700. Ready to take the next step? Visit us online at Texas Bay or come by our Summerwood branch today!

Digital & Online Banking

Additional Benefits

Need to make payments quickly? Our mobile payments feature lets you send money effortlessly. And if you're ever in need of quick access to funds, our person-to-person transfer service makes it simple to send money directly to friends or family. In summary, whether you're using our website or mobile app, Texas Bay offers a comprehensive suite of digital banking services tailored to meet your needs. Experience the ease of real-time account management and enjoy a secure banking environment that puts you first!

Enhanced Security

Security is paramount at Texas Bay. We utilize electronic signature authorization for transactions, ensuring that your information remains safe while giving you peace of mind. You can also opt for e-statements to keep track of your financial activities securely online rather than relying on paper statements.

Key Features

One of the standout features is our user-friendly online banking platform available at https://www.texasbaycu.org/. Here, you can check your account balances, view transaction history, and even pay bills without stepping foot outside. Plus, with 24/7 online banking services, you have the flexibility to handle your finances when it suits you best. Our mobile application is another great tool that brings banking right to your fingertips. Available for download, this app allows you to perform all your banking tasks while you're out and about. Whether it's checking your balance or making person-to-person transfers, everything is just a tap away.

Financial Strength

Growing Trust

Total Share and Deposit Accounts stand at 88,606, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $4,056,267, reinforcing our commitment to support your financial journey. 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 12310 W Lake Houston Parkway Houston Tx 77044 or call (713) 852-6700 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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.

Operational Efficiency

Our $333,547 reflects our operational efficiency, enabling 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

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 lending capacity supports your financial goals with $6,506 in used auto loans and $597,311,691 in total loans and leases.

Solid Financial Health

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.

Loan Offering

Additional Offerings for Businesses

For business owners seeking growth opportunities, our outstanding commercial loans totaling $5,564,838 provide the necessary capital to expand operations and invest in future success. No matter what your financial needs are, Texas Bay is here to support you every step of the way. For more information about eligibility or to apply for a loan today, visit our website at Texas Bay or give us a call. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step towards achieving your financial goals!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already provided over $175,475,437 in used vehicle loans and $63,706,607 in new vehicle loans to help members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used car, we have options that fit your budget and needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. With $24,115,118 in Junior Lien 1-4 Family Residential Properties loans available, we're here to guide you through the process. We also offer refinancing options that could save you money on your monthly payments.

Unsecured Credit Cards

We also provide flexible terms on unsecured credit card loans. With a total of $37,981,636 in unsecured credit card loans helping members manage their finances effectively, our offerings come with competitive interest rates and rewards programs that enhance your purchasing power.

Loan Aggregator

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Texas Bay