Credit union · NCUA insured
Texas Bay Credit Union Credit Card Rates
Top CarrotTexas Bay Credit Union credit card rates start at 17.25% APR. Rates checked October 16, 2026.
How Texas Bay Credit Union’s credit card rates compare
Compared with banks and credit unions near Houston, TX, where Texas Bay Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Texas Bay Credit Union
– –
- Annual fee
- —
No ongoing APR published
Lowest rate
Harris County Federal Credit Union
5.90%APR
- Annual fee
- None
2nd-lowest rate
Houston Federal Credit Union
7.00%APR
- Annual fee
- $50
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Share Secured Credit Card
Secured by placing the selected credit limit dollar amount plus 20% in Texas Bay savings account. Not available for introductory promotional rates. Credit approval required. Must be 21 or older, or have a parent or guardian as a co-signer.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.25% | None | Rate quoted 'as low as' 17.25% based on credit history. Excluded from introductory rates. |
Sources (2)
All captured Oct 6, 2026
Texas Bay Platinum Mastercard
Must be 21 or older, or have a parent or guardian as a co-signer. Credit approval required. Cash Advance Fee of $10 or 4.99% of transaction amount, whichever is greater. Foreign Transaction Fee of up to 1% of each transaction in U.S. dollars.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory APR on balance transfers for first 6 months from account opening. Minimum $500 balance transfer amount; maximum 25% of available credit. Balance transfer fee of $10 or 4.99% of each transaction amount, whichever is greater. |
| Intro, 12 months | 5.80% | None | Introductory APR on purchases for 12 months from the date account is opened. |
| Ongoing | 17.25%–18.00% | None | Standard fixed APR based on creditworthiness after introductory period. Rate quoted as low as 17.25% on rate schedule. |
Sources (2)
All captured Oct 6, 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This may be incomplete or out of date, so check with the credit union before you apply.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.