Up to 24 months
25 - 48 mos.
49 - 65 mos.
66 - 72 mos. - Over $25,000
73 - 84 mos. - Over $35,000

Up to 24 months
25 - 48 mos.
49 - 65 mos.
66 - 72 mos. - Over $25,000
73 - 84 mos. - Over $35,000

Up to 24 months
25 - 48 mos.
49 - 65 mos.
66 - 72 mos. - Over $25,000
73 - 84 mos. - Over $35,000

Up to 24 months
25 - 48 mos.
49 - 65 mos.
66 - 72 mos. - Over $25,000
73 - 84 mos. - Over $35,000

Credit Card

Mastercard Platinum

Mastercard Platinum Member Miles

Mastercard Platinum Cash Back

Regular/Classic MasterCard

7.50 - 18.00%

7.50 - 18.00%

7.50 - 18.00%

7.50 - 18.00%

*All rates are listed as ANNUAL PERCENTAGE RATE (APR). Certain credit criteria and restrictions apply. Lowest rate is based on your credit history and relationship product discounts (up to 2 products with the credit union). Texas Bay Area Credit Union is an Equal Housing and Equal Credit Opportunity Lender. The above rates are subject to change without notice. For current rates and more information, please call the credit union at 713-852-6700.

Collection Costs: You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees.

Late Charges: A late charge of 15% of the payment due, up to a maximum of $30 each time, if the payment is delinquent 10 or more calendar days.

Minimum Payment: For Line of Credit advances, your monthly payment will be $5.00 for each $100 outstanding balances (rounded up to nearest $100 increment). Your minimum payment will never be less than $25.00. For Automatic Overdraft Protection, your monthly will be $5.00 for each $100 outstanding balance or the entire outstanding balance, whichever is less. LOC rates adjust quarterly. The rate cannot increase or decrease more than 1/2% in any three month period. Any increase or dcrease in the APR will affect the number of monthly payments you will make under the account. Any increase in the APR will result in more payments of the same amount until what you owe has been repaid.

Minimum Advance: For Line of Credit advances, the Minimum Advance is $50.00 for each advance. There is no minimum fo Automatic Overdraft Protection advances.

**Share / Money Fund Secured (Variable): THE ANNUAL PERCENTAGE RATE (APR) WILL BE THE MOST RECENTLY DECLARED DIVIDEND RATE BEING PAID ON THE ON THE HIGHEST TIERED SHARE/MONEY FUND ACCOUNT (INDEX) ON THE DATE OF THE ADVANCE PLUS A MARGIN OF 3.00% ABOVE THE INDEX. NOT WITHSTANDING THIS CALCULATION, YOUR ANNUAL PERCENTAGE RATE WILL NEVER BE MORE THAN 18.00%, OR THE MAXIMUM RATE PERMITTED BY LAW, WHICHEVER IS LESS. YOUR ANNUAL PERCENTAGE RATE WILL NEVER BE LESS THAN 3.00%. IF THERE IS AN EXISTING BALANCE AT THE DATE OF A NEW ADVANCE, THE NEW ADVANCE WILL BE ADDED TO THE EXISTING BALANCE, AND THE ENTIRE BALANCE WILL BE AT THE NEW (MOST RECENT) APR. INTEREST RATES ARE SUBJECT TO CHANGE SEMI-ANNUALLY JANUARY 1 & JULY 1 OF EACH YEAR TO REFLECT ANY CHANGE IN THE INDEX. THE RATE CANNOT INCREASE OR DECREASE MORE THAN 1/2% IN ANY SIX MONTH PERIOD. ANY INCREASE IN THE APR WILL RESULT IN MORE PAYMENTS OF THE SAME AMOUNT UNTIL WHAT YOU OWE HAS BEEN REPAID.

***Variable Rate Certificate (CD) Secured: THE ANNUAL PERCENTAGE RATE (APR) FOR ADVANCES BY SHARE CERTIFICATE OF DEPOSIT (CD) WILL BE EQUAL TO THE DIVIDEND RATE BEING PAID ON THE CD OFFERED AS SECURITY (INDEX) PLUS A MARGIN OF 3.00%. NOT WITHSTANDING THIS CALCULATION, THE APR WILL NEVER BE MORE THAN 18.00%, OR THE MAXIMUM RATE PERMITTED BY LAW, WHICHEVER IS LESS. THE APR WILL NEVER BE LESS THAN 3.00%.

THE CD MUST BE CONTINUOUSLY RENEWED UNTIL THE ADVANCE HAS BEEN COMPLETLY REPAID. WHEN THE CERTIFICATE IS RENEWED, THE APR WILL BE ADJUSTED TO REFLECT THE NEW INDEX PLUS 3.00% MARGIN. FAILURE TO RENEW WILL RESULT IN DEFAULT UNDER THIS PLAN. ANY INCREASE OR DECREASE IN THE APR WILL AFFECT THE NUMBER OF MONTHLY PAYMENTS YOU WILL MAKE UNDER THE ACCOUNT. ANY INCREASE IN THE APR WILL RESULT IN MORE PAYMENTS OF THE SAME AMOUNT UNTIL WHAT YOU OWE HAS BEEN REPAID. THE APR AND DAILY PERIODIC RATE (DPR) WILL BE DISCLOSED ON THE RECEIPT (DISMBURSEMENT RECEIPT/VOUCHER) AT THE TIME OF THE ADVANCE.

Please note: (1) Minimum average daily balance of $100.00 is required to earn any dividends for share accounts.
(2) Minimum average daily balance of $250.00 is required to earn any dividends for share draft accounts.
(3) No minimum average daily balance required to earn any dividends for Member Advantage share draft accounts. Other restrictions apply.

• All certificate dividend rates and APY are subject to change without notice.

• Share and Share Draft Dividends are earned on the average daily balance and paid monthly.
Share and Share Draft Dividends rates and APY are subject to change monthly without notice at the discretion of the Board of Directors.

*APY or Annual Percentage Yield assumes dividends remain in the account until maturity. Withdrawals or fees reduce earnings. Dividends are paid at the end of the period from current income and available earnings after required transfers to reserves. All accounts must remain open through the end of the dividend period or the maturity date to be paid the accrued dividends.

** New 60-month Share Certificate may qualify for a one-time bump-up rate during the term of the certificate. Please ask for details.

Texas Bay Area Credit Union is federally insured by the National Credit Union Share Insurance Funds, which is backed by the full faith and credit of the U.S. government.

Member Advantage Qualifications

1. 10 Check (Credit) Card Transactions

2. One Direct Deposit or ACH Auto Debit

3. Receive eStatements

If qualifications are met during qualification period, the account will earn current stated dividend rate and corresponding APY* as well as a refund of up to $25.00 in ATM transaction service fees. To learn more, click here.