2024 Overview
General Credit Union Information
Texas Bay is an NCUA insured institution located in Houston, TX. It was founded in 1936 and has approximately $801.6 millions in assets.
Who can join?
All persons living, working, worshiping or attending school in these communities are now eligible for membership:
• Deer Park
• La Porte
• Pasadena
• North Channel Area
• Channelview
• Galena Park
• Jacinto City
• North Shore
• Sheldon
• Southeast Houston
• Anyone that lives, works, attends school, or worships within a ten mile radius of any office
You may also be eligible if you're associated with one of the Select Employer Groups or live within a ten mile radius of one of the branch offices.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 67465 |
| Date Established | 1936 |
| Assets | $801.60 million |
| Loans | $579.05 million |
| Deposits | $656.69 million |
| Capital | $68.13 million |
Field of Membership Restrictions
Membership is open to those who live, work, worship or attend school several communities in the suburbs of Houston including areas within a 10 mile radius of any office. You can also be eligible via Select Employer Groups.
Deposit Rates - November 21, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.03% | $2,500 | $4,999 |
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|
|
Money Market
|
0.05% | $2,500 | $2,999 |
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|
|
Money Market
|
0.05% | $10,000 | $14,999 |
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|
|
Money Market
|
0.05% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.20% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.02% | $2,500 | $3,499 | Learn More |
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| Premium Checking | 0.15% | $0 | $0.00 | Learn More |
Loan Rates - November 21, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Texas Bay
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 66247 |
6.576% | 6.500% | 0.75 | $2,544 | $2,023 | Learn More |
NMLS ID: 1025894 |
6.953% | 6.875% | 0.63 | $2,534 | $2,103 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
NMLS ID: 3029 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.240 % After Intro: 7.240 % |
$0 |
Learn More
More Info |
Note to Texas Bay
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Texas Bay branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Texas Bay Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 417.40 | A | View Lobby Hours | |
| 953.04 | B | View Lobby Hours | |
| 960.13 | C | View Lobby Hours | |
| 963.85 | D | View Lobby Hours |
Climate Policy and Initiatives
TEXAS BAY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Texas Bay Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Texas Bay. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Texas Bay | U.S. Average |
|---|---|
| 10.88% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Texas Bay had $7,013,199 in non-current loans and $950,965 in owned assets. To cover these potential losses it had $68,128,558 in net worth and $5,055,762 in loans loss reserves. That gives it a Texas Ratio of 10.88%.
Net Worth
| Texas Bay | U.S. Average |
|---|---|
| 8.49% | 13.93% |
Texas Bay FCU has a net worth of 8.49% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Texas Bay
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