--- title: "Texas Bay Credit Union Rates - Texas" description: "Current vehicle loan, heloc, personal loan, and savings & cd rates from Texas Bay Credit Union in Texas. Updated daily with source verification. See who can join Texas Bay Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/texas-bay" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Texas Bay Credit Union Rates - Texas ### Auto & vehicle rates 15 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 4.890% | — | Standard | | **Auto Loans - Used & New (0-36 months)** auto_any_36mo | — APR | 4.890% | 36 mo · any | Standard | | **Auto Loans - Used & New (37-48 months)** auto_any_48mo | — APR | 4.890% | 48 mo · any | Standard | | **Auto Loans - Used & New (49-60 months)** auto_any_60mo | — APR | 5.040% | 60 mo · any | Standard | | **Auto Loans - Used & New (61-72 months)** auto_any_72mo | — APR | 5.190% | 72 mo · any | Standard | | **Auto Loans - Used & New (73-84 months)** auto_any_84mo | — APR | 6.340% | 84 mo · any | Standard | | **Motorcycle Loans - Used & New (0-48 months)** motorcycle_any_48mo | — APR | 7.640% | 48 mo · any | Standard | | **RV / ATV / Boat / Watercraft Loans - Used & New (0-48 months)** rv_any_48mo | — APR | 8.790% | 48 mo · any | Standard | | **Motorcycle Loans - Used & New (49-65 months)** motorcycle_any_65mo | — APR | 9.140% | 65 mo · any | Standard | | **RV / ATV / Boat / Watercraft Loans - Used & New (49-65 months)** rv_any_65mo | — APR | 9.290% | 65 mo · any | Standard | | **Motorcycle Loans - Used & New (66-72 months)** motorcycle_any_72mo | — APR | 9.640% | 72 mo · any | Standard | | **RV / ATV / Boat / Watercraft Loans - Used & New (66-72 months)** rv_any_72mo | — APR | 9.790% | 72 mo · any | Standard | | **Motorcycle Loans - Used & New (73-84 months)** motorcycle_any_84mo | — APR | 10.140% | 84 mo · any | Standard | | **RV / ATV / Boat / Watercraft Loans - Used & New (73-84 months)** rv_any_84mo | — APR | 10.290% | 84 mo · any | Standard | | **RV / ATV / Boat / Watercraft Loans - Used & New (85-120 months)** rv_any_120mo | — APR | 10.790% | 120 mo · any | Standard | Texas Bay Credit Union auto & vehicle rates as of November 11, 2026 ### HELOC rates 12 offers | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan** heloc | — APR | 5.340% | — | Standard | | **Home Equity Loans - 1st Lien (60 months)** heloc_fixed | — APR | 5.340% | — | Standard | | **Home Equity Loans - 2nd Lien (60 months)** heloc_fixed | — APR | 5.940% | — | Standard | | **Home Equity Loans - 1st Lien (120 months)** heloc_fixed | — APR | 6.090% | — | Standard | | **Home Equity Loans - 1st Lien (240 months)** heloc_fixed | — APR | 6.390% | — | Standard | | **Home Equity Loans - 1st Lien (180 months)** heloc_fixed | — APR | 6.390% | — | Standard | | **Home Equity Loans - 2nd Lien (120 months)** heloc_fixed | — APR | 6.690% | — | Standard | | **Home Equity Loans - 1st Lien (360 months)** heloc_fixed | — APR | 6.690% | — | Standard | | **Home Equity Loans - 2nd Lien (180 months)** heloc_fixed | — APR | 6.990% | — | Standard | | **Home Equity Loans - 2nd Lien (240 months)** heloc_fixed | — APR | 6.990% | — | Standard | | **1st Lien** heloc | — APR | 7.740% | — | Standard | | **2nd Lien** heloc | — APR | 8.240% | — | Standard | Texas Bay Credit Union heloc rates as of November 11, 2026 ### Personal loan rates 7 offers | Product | Published | Rate | Term / condition | Status | | **Share-Secured Loan** personal_secured | — APR | 3.000% | — | Standard | | **Signature Loans (0-24 months)** personal_unsecured_24mo | — APR | 10.490% | 24 mo | Standard | | **Signature Loans (25-36 months)** personal_unsecured_36mo | — APR | 12.790% | 36 mo | Standard | | **Signature Loans (37-48 months)** personal_unsecured_48mo | — APR | 13.790% | 48 mo | Standard | | **Signature Loans (49-60 months)** personal_unsecured_60mo | — APR | 14.790% | 60 mo | Standard | | **Signature Loans (73-84 months)** personal_unsecured_84mo | — APR | 15.790% | 84 mo | Standard | | **Signature Loans (61-72 months)** personal_unsecured_72mo | — APR | 15.790% | 72 mo | Standard | Texas Bay Credit Union personal loan rates as of November 11, 2026 ### Savings & CD rates 32 offers | Product | Published | Rate | Term / condition | Status | | **High Yield Share Draft Rates (APY* $20K to $49,999.99)** checking | — APY | 0.02% | — | Standard | | **High Yield Share Draft Rates (APY* $250 to $4,999.99)** checking | — APY | 0.02% | — | Standard | | **High Yield Share Draft Rates (APY* $50K to $99,999.99)** checking | — APY | 0.05% | — | Standard | | **High Yield Share Draft Rates (APY* $100,000 to $149,999.99)** checking | — APY | 0.08% | — | Standard | | **High Yield Share Draft Rates (APY* $150,000 to $199,999.99)** checking | — APY | 0.10% | — | Standard | | **High Yield Share Draft Rates (APY* $300,000 to $499,999.99)** checking | — APY | 0.11% | — | Standard | | **High Yield Share Draft Rates (APY* $500,000 and up)** checking | — APY | 0.11% | — | Standard | | **High Yield Share Draft Rates (APY* $200,000 to $299,999.99)** checking | — APY | 0.11% | — | Standard | | **APY* $500,000 to $749,999.99** savings | — APY | 2.27% | — | Standard | | **Savings ($749,999.99–$1,000,000)** share_savings | — APY | 2.27% | — | Standard | | **APY* $1,000,000 and up** savings | — APY | 2.27% | — | Standard | | **Share Account Rates (APY* $1,000,000 and up)** share_savings | — APY | 2.27% | — | Standard | | **Share Account Rates (APY* $500,000 to $749,999.99)** share_savings | — APY | 2.27% | — | Standard | | **Share Account Rates (APY* $500,000 to $999,999.99)** share_savings | — APY | 2.27% | — | Standard | | **APY* $500,000 to $999,999.99** savings | — APY | 2.27% | — | Standard | | **APY* $749,999.99 to $1,000,000** savings | — APY | 2.27% | — | Standard | | **Certificates of Deposit (CD) & IRA Rates (6 to 11 Months)** ira_cd_11mo | — APY | 3.65% | 11 mo | Standard | | **IRA Certificate** ira_cd | — APY | 3.65% | — | Standard | | **Certificates of Deposit (CD) & IRA Rates (Flex CD 1 ($100 minimum to open))** ira_cd | — APY | 3.70% | — | Standard | | **Certificates of Deposit (CD) & IRA Rates (12 to 17 Months)** ira_cd_17mo | — APY | 3.85% | 17 mo | Standard | | **Flex Certificate** cd_12mo | — APY | 3.85% | 12 mo | Standard | | **60-Month IRA Certificate** ira_cd_60mo | — APY | 3.90% | 60 mo | Standard | | **Certificates of Deposit (CD) & IRA Rates (48 to 59 Months)** ira_cd_59mo | — APY | 3.90% | 59 mo | Standard | | **Certificates of Deposit (CD) & IRA Rates (18 to 23 Months)** ira_cd_23mo | — APY | 3.90% | 23 mo | Standard | | **Certificates of Deposit (CD) & IRA Rates (24 to 35 Months)** ira_cd_35mo | — APY | 3.95% | 35 mo | Standard | | **Regular Certificate** cd_60mo | — APY | 4.00% | 60 mo | Standard | | **60-Month IRA Certificate** ira_cd_60mo | — APY | 4.00% | 60 mo | Standard | | **Certificates of Deposit (CD) & IRA Rates (36 to 47 Months)** ira_cd_47mo | — APY | 4.00% | 47 mo | Standard | | **Jumbo Certificate** cd_60mo | — APY | 4.15% | 60 mo | Standard | | **38-Month Certificate** cd_38mo | — APY | 4.65% | 38 mo | Standard | | **Callable Certificate** cd_60mo | — APY | 4.65% | 60 mo | Standard | | **Certificate** cd | — APY | 5.00% | — | Standard | Texas Bay Credit Union savings & cd rates as of November 11, 2026 Texas Bay Credit Union is a credit union in Texas. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/texas-bay) , verified from [Texas Bay Credit Union's official website](https://www.texasbaycu.org/) Loading branch locator… ## 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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 66** IBEW LU 66 FCU · PASADENA · TX · 77504 About 2.1 miles away](https://rateapi.dev/credit-unions/texas/ibew-lu-66) [**Priority Trust** Priority Trust Credit Union Almeda · Houston · TX · 77075-2416 About 2.9 miles away](https://rateapi.dev/credit-unions/texas/priority-trust) [**Shell** Fairmont · Pasadena · TX · 77505 About 3.0 miles away](https://rateapi.dev/credit-unions/texas/shell) [**Amoco** Clear Lake City Branch · Houston · TX · 77062 About 3.2 miles away](https://rateapi.dev/credit-unions/texas/amoco) [**Essential** Houston Texas · Houston · TX · 77059 About 3.3 miles away](https://rateapi.dev/credit-unions/louisiana/essential) [**Gulf Coast Educators** Pasadena Office · Pasadena · TX · 77505 About 3.6 miles away](https://rateapi.dev/credit-unions/texas/gulf-coast-educators) 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](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Texas Bay Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Texas Bay Credit Union's membership page](https://www.texasbaycu.org/about-us/become-a-member) . Final membership determination is always made by the credit union. ## Membership rules for Texas Bay Credit Union Employers 1 published path to membership, last verified August 21, 2026, quoted from Texas Bay Credit Union’s own published criteria. ### Employers 1 Human-reviewed quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of select employer groups (as written on the source page) “Are associated with one of our select employer groups” > [source ↗](https://www.texasbaycu.org/about-us/become-a-member) - Employee of select employer groups Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Texas Bay Credit Union? Yes No ## Work at Texas Bay Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Texas Bay Credit Union ranks against Texas peers. - See which AI assistants fetched Texas Bay Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=texas-bay&state=texas&code=TX&name=Texas%20Bay%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## 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 November 11, 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 November 11, 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. ### Who can join Texas Bay Credit Union? Texas Bay Credit Union publishes its membership criteria on its own website. RateAPI tracks 1 published membership path covering 1 employer for Texas Bay Credit Union, each quoted from Texas Bay Credit Union's own published membership criteria. ## Related Rate Data Compare Texas Bay Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas HELOC rate leaders](https://rateapi.dev/heloc-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.texasbaycu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Texas Bay Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Texas Bay Credit Union curl "https://api.rateapi.dev/credit-unions/texas /texas-bay " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Texas Bay Credit Union locations Search, filter, and browse all 10 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/texas/texas-bay Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp