Business Details
50+ Years
experience
Your Trusted Partner for Financial Services in Houston
Texas Bay Credit Union has served as Houston's trusted financial partner since 1936, founded by Houstonians for Houstonians. As a member-owned institution, we prioritize our members' financial success through competitive rates, high dividends on deposits, low fees, and free services. Our commitment to community-driven banking is rooted in 85+ years of experience, with expertise in personalized financial solutions for checking, savings, loans, and investment products.We demonstrate authoritativeness through our Certified CDFI status and federal insurance by the NCUA, ensuring trustworthiness in all transactions. Our team of financial professionals delivers tailored advice and innovative digital tools to help members achieve their financial goals at every life stage.
Services
Checking Accounts
Savings Accounts
Auto Loans
Mortgage Loans
Credit Cards
Personal Loans
Business Banking
Digital Banking
Loan Refinancing
Financial Education
Details
- Year established: 1936
Highlights and features
- We've served Houston communities for over 85 years with personalized financial solutions
- Our member-owned structure ensures profits return to account holders through better rates
- We offer free financial education tools and no-fee account options
- Our local decision-making enables faster loan approvals and customized service
- We maintain a secure financial position with consistent growth since 1936
Associations and certifications
- NCUA
- CDFI
Services
Checking Accounts
Our checking accounts provide no-fee options with early payday access, cell phone protection, and fuel discounts. Perks checking accounts reward members with cashback and exclusive benefits. Digital tools enable 24/7 account management through mobile and online banking platforms.
Mortgage Loans
We offer competitive mortgage rates with preapproval options and discounted rate guarantees. Our home loan specialists help members navigate the process from application to closing with personalized guidance and local decision-making.
Auto Loans
Auto loans feature rates starting at 4.64% APR with no payments for 90 days for qualified members. Our Find-a-Car tool helps locate vehicles while financing experts secure optimal terms for new and used car purchases.
Savings Accounts
Savings solutions include high-yield options with competitive APYs and no monthly maintenance fees. Certificate of Deposit terms range from 6 to 12 months with guaranteed returns, helping members grow their emergency funds and savings goals.
Digital Banking
24/7 digital access includes mobile check deposit, bill payment, fund transfers, and real-time account alerts. Our app enables card management, travel notices, and secure messaging with financial specialists for convenient banking from anywhere.
People
Jesse Gutierrez
President & CEO
Jesse Gutierrez leads Texas Bay Credit Union with over 25 years of financial leadership experience, focusing on member-centric growth and community development initiatives.
Syed Dinar
Executive Vice President & CFO
Syed Dinar manages financial operations with expertise in credit union financial strategy, maintaining our strong capital position and regulatory compliance.
Brandy Guzman
Vice President of Branches & Operations
Brandy Guzman oversees branch network operations, ensuring exceptional member service experiences across our 9 Houston-area locations.
Larry Clowers
Director
Larry Clowers serves on our board with deep community knowledge, guiding strategic decisions that align with member interests and local needs.
Charlotte Yocom
Vice President of Marketing & Growth
Charlotte Yocom leads growth initiatives with innovative marketing strategies that expand financial access to underserved Houston communities.
Questions
How do I apply for a mortgage loan?
Apply online through our mortgage portal or contact our Mortgage Department at 713.852.6888 for personalized assistance.
What are your current auto loan rates?
Current auto loan rates start at 4.64% APR. Visit our loan rates page for complete details.
Can non-residents join the credit union?
Membership is available to residents of Harris, Montgomery, Fort Bend, and select areas of Galveston and Brazoria counties.
How do I report a lost debit card?
Call 833.809.9983 immediately to report lost or stolen debit cards during business hours.
Do you offer business banking services?
Yes, we provide business checking accounts, loans, merchant services, and specialized financial solutions for local businesses.
What digital banking features are available?
Our digital banking includes mobile check deposit, bill pay, account transfers, and real-time transaction alerts.
Reviews (7)
Flavio Gracian
Oct 04, 2021
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Candyce B. Helped me set up my first account for a credit union and she had awesome customer service and she was so nice. Texas Bay is #1
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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Candyce B was amazing! So nice professional and personable banker. Thanks for helping me start my business account today
Freight Broker
Freight Broker
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.
