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Routing: 313082935

649-06400399

Deposit/Business Rates

Deposit/Business Rates

Click here for current Consumer Deposit Rates.

Click here for current Business Deposit Rates.

Please note:

(1) Minimum average daily balance of $100 is required to earn any dividends for share accounts.

(2) Minimum average daily balance of $250 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 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 Checking (MAC)

The following qualifications are no longer required to receive interest rates stated on the current deposit rate sheet:

  • Active Debit Card usage
  • One Direct Deposit or ACH Auto Debit
  • Receive eStatements

Qualification periods are no longer required.  MAC accountholders now have the following benefits: