Texas Bay Credit Union
TexasBayCU.org | 713-852-6700July 3, 2018
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Discounted Tickets
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Love My Credit Union Rewards

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Enjoy more rewards with Love My Credit Union Rewards and Texas Bay Credit Union.

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Texas Bay Summer Selfie Contest
Chance to win Imagine Dragons Tickets


Take a Summer Selfie at one of the participating Texas Bay Credit Union branches for your chance to win Imagine Dragons tickets and meet & greet passes!

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Contents
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Be the Ultimate Astros™ Fan!
Get a chance to throw out the first pitch at an Astros™ game!


Simply Finance or Refinance your current vehicle loan from another financial institution with Texas Bay Credit Union to get entered into the drawing.

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How Is Your Credit Score Determined?
The importance of understanding what influences your credit score


Your credit score is calculated by a combination of five different factors, each contributing a different ratio of influence. According to Stacy Smith, Senior Publish Education Specialist for …
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Using CDs for Your Savings
The advantages and drawbacks of putting your money in a certificate of deposit


If you have funds that you want to squirrel away without the temptation to dip into them, consider putting the money into a certificate of deposit.
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Getting a Loan with Bad Credit
How you can still be approved


If you have poor or minimal credit, your chances of getting approved for an auto or personal loan aren’t necessarily poor or minimal too. Here is what you can do to increase your chances of loan …
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How to Make Your Money Work for You
You work hard enough — make your money start earning some money


Your nine-to-five job or career provides you with a solid stream of cash, but there’s more money to be made. Here’s how the money you already make can earn you even more all by itself.
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Pros and Cons of Borrowing Money from Your Retirement Account
How to determine whether you should borrow from your retirement savings


In desperate financial situations, tapping into your retirement funds may seem like your best or only option to stay afloat. As could be said for any major financial decision, your best approach …
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Is it Safe to Save Your Credit Card Info Online?
Tips for protecting your information against identity thieves


If you are a frequent online shopper, having your favorite retailers store your credit card information seems like it might make sense. Having your information at the ready helps you avoid having to …
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Holiday Closure
Independence Day


Texas Bay Credit Union will be closed on Wednesday, July 4, 2018.

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Remote Deposit Capture
Important Notice


Effective July 1, 2018 all users of Remote Deposit Capture will be required to include a restrictive endorsement to reflect that the item is being deposited remotely.

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Direct Deposit
Early ACH


Early Direct Deposit. That's right! If you have direct deposit with us and we receive your pay early, we'll make it available to you.

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FREE Mortgage Seminar
Saturday, July 21, 2018


Learn about buying a home in today's market and tips for success...

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Member Appreciation Day
Summerwood Branch


Saturday, July 28, 2018 | 10AM - 12PM

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New Branch Coming Soon
Richmond Branch


New Branch! Richmond Branch Coming Soon...

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How to Start Planning for Christmas in July
Avoid stress and debt by planning ahead for the holidays


July is the half-way mark through the year, which indicates Christmas is just six months away. While it might be tempting to save the preparations and shopping till closer to December, you can minimize potential stress and save money with a little bit of early planning — beginning in July.
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Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only. NMLS#280545 
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