Credit union · NCUA insured
Texas Bay Credit Union Savings Rates
Top CarrotTexas Bay Credit Union’s best savings rate is 0.03% APY on $10,000, with its Share Savings Account. Rates checked October 16, 2026.
How Texas Bay Credit Union’s savings 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
0.03%APY
- Minimum
- $1
- Earns on $10,000 a year
- $3
Share Savings Account
Top rate
Heritage Hub Federal Credit Union
5.13%APY
- Minimum
- —
- Earns on $10,000 a year
- $513
2nd-highest rate
Nizari Credit Union
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
Texas Bay Credit Union savings score
60
Savings score
Higher than 2% of U.S. banks and credit unions
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0000.03%
- $100,000 balance$100,0000.28%
- QualifiedQualified0.03%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Savings Account
0.03%APY
Minimum average daily balance of $100.00 is required to earn dividends. Simple interest method, paid monthly. Variable rate subject to change.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $5,000Minimum average daily balance of $100.00 to earn dividends. | 0.03% | — | Minimum average daily balance of $100.00 to earn dividends. |
| $5,000 – $20,000 | 0.03% | $3 | |
| $20,000 – $50,000 | 0.03% | — | |
| $50,000 – $100,000 | 0.12% | — | |
| $100,000 – $150,000 | 0.28% | — | |
| $150,000 – $200,000 | 0.45% | — | |
| $200,000 – $300,000 | 0.75% | — | |
| $300,000 – $500,000 | 1.00% | — | |
| $500,000 – $1,000,000 | 2.27% | — | |
| $1,000,000 and up | 2.27% | — |
Sources (3)
- texasbaycu.org/personal/compare-savings-accounts
- texasbaycu.org/personal/share-savings-account
- texasbaycu.org/resources/deposit-rates
All captured Oct 16, 2026
Special-purpose accounts
IRA
0.05%APY
Available as Traditional IRA, Roth IRA, Coverdell Education Savings Account (CESA), and SEP IRA. No setup or maintenance fees. Minimum average daily balance of $100.00 is required to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $5,000Minimum average daily balance of $100.00 to earn dividends. | 0.05% | — | Minimum average daily balance of $100.00 to earn dividends. |
| $5,000 – $20,000 | 0.05% | $5 | |
| $20,000 – $50,000 | 0.05% | — | |
| $50,000 – $100,000 | 0.25% | — | |
| $100,000 – $150,000 | 0.45% | — | |
| $150,000 – $200,000 | 0.65% | — | |
| $200,000 – $300,000 | 1.00% | — | |
| $300,000 – $500,000 | 1.26% | — | |
| $500,000 – $1,000,000 | 2.27% | — | |
| $1,000,000 and up | 4.18% | — |
Sources (2)
All captured Oct 16, 2026
Christmas Club
0.03%APY
No monthly fees. Account balance automatically transferred to regular savings in November. No withdrawals permitted unless closing the account. Minimum average daily balance of $100.00 required to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $5,000Minimum average daily balance of $100.00 to earn dividends. Funds released in November. | 0.03% | — | Minimum average daily balance of $100.00 to earn dividends. Funds released in November. |
| $5,000 – $20,000Funds released in November. | 0.03% | $3 | Funds released in November. |
| $20,000 – $50,000Funds released in November. | 0.03% | — | Funds released in November. |
| $50,000 – $100,000Funds released in November. | 0.12% | — | Funds released in November. |
| $100,000 – $150,000Funds released in November. | 0.28% | — | Funds released in November. |
| $150,000 – $200,000Funds released in November. | 0.45% | — | Funds released in November. |
| $200,000 – $300,000Funds released in November. | 0.75% | — | Funds released in November. |
| $300,000 – $500,000Funds released in November. | 1.00% | — | Funds released in November. |
| $500,000 – $1,000,000Funds released in November. | 2.27% | — | Funds released in November. |
| $1,000,000 and upFunds released in November. | 2.27% | — | Funds released in November. |
Sources (2)
All captured Oct 16, 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.