September is Texas Bay's Financial Wellness Month! Throughout the month, follow along on our social media pages and our financial wellness webpage for our latest top tips to help you reach financial success! We truly care about our members! Our goal is to arm you with tailor-made solutions to set you up for success in reaching your goals and aspirations.
Choosing who to trust with your hard-earned money is an important decision. While there are many financial institutions to choose from, one of the first decisions to make is whether to choose a bank or a credit union. Our VP of Branches, Brandy Guzman partnered with the Houston Chronicle to explain the differences between a credit union and a bank and what you should keep in mind when deciding who to trust with your financial journey.
Choosing who to trust with your hard-earned money is an important decision. While there are many financial institutions to choose from, one of the first decisions to make is whether to choose a bank or a credit union. Our VP of Branches, Brandy Guzman partnered with the Houston Chronicle to explain the differences between a credit union and a bank and what you should keep in mind when deciding who to trust with your financial journey.
Services
That means we work for our members. We take care of our members by using our net earnings for lower interest rates, higher dividends on deposits, low fees, and offer FREE products and services. Texas Bay succeeds by preserving a secure financial position, increasing membership growth, and maintaining high member satisfaction.
Zelle is a fast, safe and easy way to send and receive money, typically within minutes1. Using just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank2. No checks. No cash. No hassle. Available in our mobile app and online banking platform.
Are you a regular user, but want to make sure you are getting all you can out of the robust features available in our digital banking platform?. You will find answers from how to get set up to begin digital banking, to frequently asked questions, to video tutorials to walk you through numerous functions on the platform as well as on your different devices.
Are you looking for a company where you will be challenged, presented exciting opportunities and will be able to expand your skills. At Texas Bay Credit Union, you'll find all of that, plus an atmosphere that encourages personal and professional growth. We strive to create an environment that builds our employees, provides exciting opportunities, is rewarding and fun, so we seek out mission-driven, energetic and motivated people to join our team!
Notwithstanding this calculation, your APR will never be more than 18.00%, or the maximum rate permitted by law, whichever is less. Your APR will never be less than 3.00%. If there is an existing balance at the date of a new advance, the new advance will be added to the existing balance, and the entire balance will be at the new (most recent) APR.
Reviews (14)
Flavio Gracian
Oct 04, 2021
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The Groce Family
Sep 28, 2021
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Texas Bay in Pearland has exceeded my expectations to say the least. We were coming to withdraw for a car loan down payment and they immediately suggested they could get us a better deal. They did just that and when the dealership decided to give us a hard time, they came up with a plan to make it happen a different way! Thank you so much Candyce for all you did for me and my family! We are proud members and hope to keep growing with your branch!
Tajuana Armstrong
Sep 22, 2021
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Esteban Cisneros
Apr 23, 2021
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Decent bank with friendly service but every time you need something expect to wait 15+ minutes to get someone on the line. Expect to hear, "At this time we are experiencing high call volumes with longer than normal wait time" every time. The online chat is useless when you ask anything in regards to your account they respond with, "We do not have access to member account via CHAT or TEXT services. This is a general information only platform for your security."
Lynn Leonard
Feb 27, 2021
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We have been doing business with TBAC for about 30 years now. Candyce is one of the top people in our book. She is always helpful, and goes to whatever trouble it takes to get what we need. She is friendly, helpful, and knowledgeable about the Credit Union. What she doesn't know she will find out. We like that. She makes doing business easy. The world needs more of her.
Toffer B.
Jan 30, 2021
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Early on if the first pandemic I got a call saying I owed them $500. I had taken out all my money but a few dollars since I didn't want to go in to close the account. I opted out of overdraft because I didn't want to owe why was taken out plus a fee years ago. The $500 I owe is in fees. The call early on I made a case that they lost no money and all the money they wanted was from their own fees. Which their creditValet app didn't notify me of. During the call I said that it was a bad look to do this during the pandemic and just unfair since their app didn't tell me anything
Pamela Johnson
Jan 19, 2021
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Marlene made my experience very comfortable and she was very professional. Knew her job and explained all the products they offered. Gave me good pointers on working on my credit and info about refinancing my auto. So glad I finally decided to open an account with a credit union and really glad it was with Texas Bay Credit Union.
Elayna Blue
Nov 29, 2020
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I thank God for Kayla! She helped me with the purchase of my new vehicle! It was such a swift and easy process. I loved being able to communicate with her back and forth via text. Everything was so convenient for me ... not to mention the interest rate she got approved for me! Kayla also assisted me with setting up a few other lines of credit to help me keep building my credit score! I’m super excited about 2021 and Kayla played such a huge role in getting me off on the right foot! Oh I forgot to mention she was ALWAYS available and accessible, I love that! I had so many questions and concerns
Taylor Smith
Oct 29, 2020
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Kayla Barnes was amazing! She helped me out with my car loan and credit card loan! Whenever I reached out to her she was very punctual with her responses and always worked to the best of her ability to help me take care of my business! I am very grateful for her and very grateful to be apart of the TBACU family! Thank you Kayla! I'm sure that I'll work with you again in the future!
Sandra Escobar
Jul 13, 2020
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Marlene is our person. She has gone above and beyond for us. Our family is blessed to have someone who treats us like family and makes sure that there aren’t any loose ends. Our vehicle was stolen after having just refinanced it. She helped us with that process and made everything so easy. She then assisted us in obtaining another vehicle. Thank you for being so wonderful!!!
Tom K.
Jul 10, 2019
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I've been banking at Texas Bay credit Union and it's predators and predators predecessors for over 30 years 40 years and when I was in my 20s I got my first motorcycle loan from them but did banking they were always helpful with loan small short term loans when I was a bit in my 30s so I biked Argott my house refinance with them and they gave me a loan for a reconstruction project one of their first anyway they've been more than excellent throughout all these years I give them a five star rating thank you
Zach M.
Apr 26, 2019
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Very un helpful, rude, not a bank for the customer it's a bank just to benefit the bank. I've been there almost a year and a half now and I've literally had my account hacked several times, only got refunded for two. And it seems like nobody up there knows their job because they ALWAYS have to go to the back where the bosses are to come back and give you the answer they told the reps to give you.
Brian E.! You're right and that was the only time that's happened and the most recent. You want to comment about ONE incident that was taken care of instead of the whole rest of
Brian E.! You're right and that was the only time that's happened and the most recent. You want to comment about ONE incident that was taken care of instead of the whole rest of
Jonathan P.
Apr 17, 2017
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Holly D.
Nov 03, 2015
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Do not trust this banking institution!! Incredibly poor service!! They do not follow through on their promises!!
If I could give 0 stars I would. In March 2014 I decided to downsize from a truck to a car. My credit was less than desirable after going through a divorce. I had financing already lined up though. While I was at the dealership a representative from this credit union was there. He told me he could beat the interest rate if I would agree to put a GPS device on my car and after the first year of making on time payments he would refinance the loan for a better interest rate.
If I could give 0 stars I would. In March 2014 I decided to downsize from a truck to a car. My credit was less than desirable after going through a divorce. I had financing already lined up though. While I was at the dealership a representative from this credit union was there. He told me he could beat the interest rate if I would agree to put a GPS device on my car and after the first year of making on time payments he would refinance the loan for a better interest rate.
