Credit union · NCUA insured
Texas Bay Credit Union CD Rates
Top CarrotTexas Bay Credit Union’s best CD rate is 4.00% APY on a 3-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Texas Bay Credit Union’s CD rates compare
Compared with banks and credit unions near Houston, TX, where Texas Bay Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Texas Bay Credit Union
3.85%APY
- Term
- 36–47 months
- Minimum
- $1,000
- Earns on $10,000
- —
Regular Certificates
Top rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
2nd-highest rate
Gulf Capital Bank
4.91%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,546
Texas Bay Credit Union CD score
85
CD score
Higher than 69% of U.S. banks and credit unions
- 3–8 months3–8 mo3.65%
- 9–15 months9–15 mo3.70%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo3.85%
- QualifiedQualified3.85%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Texas Bay Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Callable Certificates
Up to 4.50%APY · 3 terms
Can be called before the maturity date at the discretion of Texas Bay. The first callable date is 90 days from the issue date and may be called every 6 months thereafter. Automatically renewing. Penalty for early withdrawals.
| Term | APY · $50,000 and up | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsMay be redeemed at the credit union's option at any time after the first 90 days. Dividends paid monthly | — | 3.75% | —3.75% from $1,000k | — |
| 24 monthsMay be redeemed at the credit union's option at any time after the first 90 days. Dividends paid monthly | 4.20% | — | —4.20% from $50k | — |
| 60 monthsMay be redeemed at the credit union's option at any time after the first 90 days. Dividends paid monthly | 4.50% | — | —4.50% from $50k | — |
Sources (2)
All captured Oct 16, 2026
Jumbo Certificates
Up to 4.00%APY · 7 terms
Special Promo Rate applies to new Jumbo CD ($50,000 or higher) opened with new money from another institution and is for limited time only. Automatically renewing. Penalty for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 monthsSpecial Promo Rate applies to new Jumbo CD ($50,000 or higher) opened with new money from another institution and is for limited time only. Dividends paid monthly | 3.80% | — |
| 12–17 monthsSpecial Promo Rate applies to new Jumbo CD ($50,000 or higher) opened with new money from another institution and is for limited time only. Dividends paid monthly | 3.85% | — |
| 18–23 monthsSpecial Promo Rate applies to new Jumbo CD ($50,000 or higher) opened with new money from another institution and is for limited time only. Dividends paid monthly | 3.90% | — |
| 24–35 monthsSpecial Promo Rate applies to new Jumbo CD ($50,000 or higher) opened with new money from another institution and is for limited time only. Dividends paid monthly | 3.95% | — |
| 36–47 monthsSpecial Promo Rate applies to new Jumbo CD ($50,000 or higher) opened with new money from another institution and is for limited time only. Dividends paid monthly | 4.00% | — |
| 48–59 monthsSpecial Promo Rate applies to new Jumbo CD ($50,000 or higher) opened with new money from another institution and is for limited time only. Dividends paid monthly | 3.90% | — |
| 60 monthsSpecial Promo Rate applies to new Jumbo CD ($50,000 or higher) opened with new money from another institution and is for limited time only. Dividends paid monthly | 3.90% | — |
Sources (2)
All captured Oct 16, 2026
Regular Certificates
Up to 3.85%APY · 7 terms
Automatically renewing. Penalty for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 monthsDividends paid monthly | 3.65% | $181 |
| 12–17 monthsDividends paid monthly | 3.70% | $370 |
| 18–23 monthsDividends paid monthly | 3.75% | $568 |
| 24–35 monthsDividends paid monthly | 3.80% | $774 |
| 36–47 monthsDividends paid monthly | 3.85% | $1,200 |
| 48–59 monthsDividends paid monthly | 3.75% | $1,587 |
| 60 monthsDividends paid monthly | 3.75% | $2,021 |
Sources (2)
All captured Oct 16, 2026
Flex Certificates
3.70%APY · 1 term
Automatically renewing. You can add money at any time. Requires ACH deposit. Penalty for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum $100 deposit. Requires ACH deposit. Dividends paid monthly | 3.70% | $370 |
Sources (3)
- texasbaycu.org/personal/certificates-of-deposit
- texasbaycu.org/personal/flex-cd
- texasbaycu.org/resources/deposit-rates
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificates
Up to 3.75%APY · 7 terms
Share Certificates schedule explicitly includes IRA Certificates. Automatically renewing. Penalty for early withdrawals and IRS taxes may apply.
| Term | APY · Any balance | APY · $50,000 and up | APY · $50,000 – $1,000,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6–11 monthsDividends paid monthly | 3.35% | — | — | 3.35% | $166 |
| 6–11 monthsSpecial Promo Rate applies to new Jumbo CD ($50,000 or higher) opened with new money from another institution and is for limited time only. Dividends paid monthly | — | 3.55% | — | —3.55% from $50k | — |
| 12–17 months | — | — | 3.65% | —3.65% $50k–$1,000k | — |
| 12–17 monthsDividends paid monthly | 3.45% | — | — | 3.45% | $345 |
| 18–23 months | — | — | 3.75% | —3.75% $50k–$1,000k | — |
| 18–23 monthsDividends paid monthly | 3.55% | — | — | 3.55% | $537 |
| 24–35 months | — | — | 3.85% | —3.85% $50k–$1,000k | — |
| 24–35 monthsDividends paid monthly | 3.70% | — | — | 3.70% | $754 |
| 36–47 monthsDividends paid monthly | 3.70% | — | — | 3.70% | $1,152 |
| 36–47 monthsSpecial Promo Rate applies to new Jumbo CD ($50,000 or higher) opened with new money from another institution and is for limited time only. Dividends paid monthly | — | 3.85% | — | —3.85% from $50k | — |
| 48–59 monthsDividends paid monthly | 3.75% | — | — | 3.75% | $1,587 |
| 48–59 monthsSpecial Promo Rate applies to new Jumbo CD ($50,000 or higher) opened with new money from another institution and is for limited time only. Dividends paid monthly | — | 3.95% | — | —3.95% from $50k | — |
| 60 monthsDividends paid monthly | 3.75% | — | — | 3.75% | $2,021 |
| 60 monthsSpecial Promo Rate applies to new Jumbo CD ($50,000 or higher) opened with new money from another institution and is for limited time only. Dividends paid monthly | — | 3.95% | — | —3.95% from $50k | — |
Sources (2)
All captured Sep 25, 2026
Who can join Texas Bay Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- People, businesses, and other legal entities who live, work, worship, attend school, or are based in Harris, Chambers, Liberty, Montgomery, Waller, Fort Bend, Brazoria, or Galveston County are eligible for membership.
Employers and groups
- People, businesses, and other legal entities associated with one of Texas Bay Credit Union's select employer groups are eligible for membership.
Cost to join
- To join, deposit $1 into a savings account.
Membership information collected October 5, 2026.