Loans And Credit / Credit Cards

YOU HAVE THE POWER TO CHOOSE!

ONE Card...

ThreE Great

Choices!

Reward yourself With the

Mastercard Platinum Member Miles Credit Card

At Texas Bay Area CU, we know what great value is. That's why we're offering a valuable travel and merchandise program exclusively to our members with a great card. Member Miles is the most flexible rewards program available. When you use your credit card, you can earn (1) one point for every dollar you spend on purchases. The more you spend, the more points you earn, and the greater your reward. It's that simple!

With the TBACU Member Miles Reward Card, you'll enjoy:

• Rates As Low As 7.50% APR*

• 5.90% APR - 6 Month Introductory Rate**
• No Annual Fee
• Credit limit up to $20,000
• Earn 1 point for every dollar you spend.
• Redeem your points for travel or merchandise.
• Travel redemption has no black-out dates or travel restrictions!
• Easy Balance Transfers & Cash Advances
• $1,000,000 travel accident coverage
• Extended warranty protection
• Auto rental insurance
• 24-hour fraud protection
• Access cash at ATMs worldwide
• Apply TODAY for your MasterCard Platinum Member Miles Credit Card!

And, receive 2,500 BONUS Reward Points

when you are approved for a

Mastercard Platinum Member Miles Credit Card!

GET CASH FOR USING YOUR CREDIT CARD!

Mastercard Platinum Cash Back Credit Card

Now the most convenient credit card is also the most intelligent choice. Reach for our new Cash Back credit card to earn cash on everyday purchases. Use it for everyday shopping, groceries, gasoline, and even pay utility bills and insurance premiums. It all adds up to a cash back reward just for using your card!

With the TBACU Cash Back Card, you'll enjoy:

• Rates As Low As 7.50% APR*

• 5.90% APR - 6 Month Introductory Rate**
• No Annual Fee
• Credit limit up to $20,000
• Earn a maximum of $500 in cash rewards each year
• Track your cash rewards on your monthly statement
• Easy Balance Transfers & Cash Advances
• $1,000,000 travel accident coverage
• Extended warranty protection
• Auto rental insurance
• 24-hour fraud protection
• Access cash at ATMs worldwide
• Apply TODAY for your MasterCard Platinum Cash Back Credit Card!!

carry a card with more prestige

Mastercard Platinum Credit Card

In today's market, platinum is the color of prestige and privilege. It carries exceptional benefits. But, more than that, it's the top-of-wallet card that we know YOU, our member wants. You can carry a card that is highly regarded and accepted at major hotels, restaurants, and department stores nationwide and around the world. Platinum aligns you with benefits above and beyond other cards. It's a powerful card that rewards YOU!

With the MasterCard Platinum, you'll enjoy:

• Rates As Low As 7.50% APR*

• 5.90% APR - 6 Month Introductory Rate**
• No Annual Fee
• Credit limit up to $20,000
• Easy Balance Transfers & Cash Advances
• Year-end summary of charges
• $1,000,000 travel accident coverage
• Travel and emergency assistance
• Extended warranty protection
• Auto rental insurance
• 24-hour fraud protection
• Access cash at ATMs worldwide
• MasterCard Global Service
• Apply TODAY for your MasterCard Platinum Credit Card!

*APR = Annual Percentage Rate. Credit card rates are variable and are subject to change without prior notice.**The special 5.9% APR Introductory Rate is good for the 1st 6-Months for qualified members.

As an additional convenience, you can also set up automatic payment through your TBACU Savings or Checking accounts to give you peace of mind, and never have to worry about mailing your payment!

Apply TODAY for your TBACU Credit Card(s)!

Access your TBACU credit card account information online.

MasterCard SecureCode
Now It's Even Safer to Shop Online

As a consumer, you want to know that your online purchases are secure. But you also want the ordering process to be easy. To help protect you when you are making purchases over the Internet, Texas Bay Area Credit Union is enrolling all of its members' MasterCard cards in MasterCard SecureCode.

Whenever your card is used at a participating online store, you will be asked for your personal password to verify that you authorize the purchase. This password helps protect your credit and debit cards against unauthorized use. You must complete your registration before making a purchase at any participating merchant website.

To sign up, click here to enroll or just start shopping. When you are ready to check out at a participating merchant, you will be given the opportunity to register. A window displaying the MasterCard SecureCode logo and the Texas Bay Area Credit Union logo will open. Just enter your account details at this secure site and create your password to complete the transaction. Once you register your card, no one else can use your SecureCode card number at a participating online store without your personal password. Once you activate your card, simply shop like normal - and your MasterCard card number is automatically recognized at checkout. When you submit an order at a participating online store, the MasterCard SecureCode window will appear. Simply enter your password, click submit, and you're done.

MASTERCARD SECURECODE Protects Your TBACU MASTERCARD DEBIT

and/OR Credit Card

Click here to register your TBACU MasterCard Debit Card and/or MasterCard Credit Card TODAY!

For more information about TBACU or to find out how you can join, please call 713-852-6700 or 800-577-3164, visit any branch office or e-mail us.

To apply for membership please contact us.