Last Updated: 07/28/2025
Texas Bay Credit Union Mastercard Share Secured Credit Card
Unaffiliated
in Credit Cards from Texas Bay Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.74% - 18.00%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
14.74% - 18.00%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
Texas Bay Credit Union Mastercard Share Secured Credit Card Review
This is a secured credit card issued by Texas Bay Credit Union. If you're wondering whether Texas Bay Credit Union Mastercard Share Secured Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 6 months, which is shorter than the average 0% APR period of 12 months.
- APRs: Texas Bay Credit Union Mastercard Share Secured Credit Card has a variable regular purchase APR that ranges from 14.74% up to 18.00%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- A 4.99% balance transfer fee. Texas Bay Credit Union Mastercard Share Secured Credit Card charges a 4.99% balance transfer during the intro period for the first 6 months and after that charges a fee of 4.99% on balance transfers. For example, a balance of $1,000 could cost $49.900000000000006 in transfer fees after the intro period. The minimum fee is $10.00.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
Pros & Cons of Texas Bay Credit Union Mastercard Share Secured Credit Card
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Texas Bay Credit Union Mastercard Share Secured Credit Card FAQ
Does Texas Bay Credit Union Mastercard Share Secured Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Texas Bay Credit Union Mastercard Share Secured Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Texas Bay Credit Union Mastercard Share Secured Credit Card has a variable purchase APR that ranges from 14.74% up to 18.00%. The card has a variable balance transfer APR that ranges from 14.74% up to 18.00%. It also has a variable cash advance APR of 14.74% .
Note that late payments are subject to an APR of 18.00% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Texas Bay Credit Union Mastercard Share Secured Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0.00% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 14.74% - 18.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 4.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 4.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro Fee Minimum | $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro Fee % | 4.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro Fee Period | 6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Texas Bay Credit Union Mastercard Share Secured Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 5.80% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 5.80% on qualified purchases for a period of 12 months.
What are the fees for Texas Bay Credit Union Mastercard Share Secured Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Up to 1.0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 4.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
What is the customer service phone number for Texas Bay Credit Union Mastercard Share Secured Credit Card?
The customer service number for Texas Bay Credit Union Mastercard Share Secured Credit Card is (713) 360-1017.
What is the support contact email for Texas Bay Credit Union Mastercard Share Secured Credit Card?
The support contact email for Texas Bay Credit Union Mastercard Share Secured Credit Card is webmail@tbacu.org.
What is the login page for Texas Bay Credit Union Mastercard Share Secured Credit Card?
You can access the login page of Texas Bay Credit Union Mastercard Share Secured Credit Card here.
How do people rate the customer service and user experience of Texas Bay Credit Union Mastercard Share Secured Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Texas Bay Credit Union Mastercard Share Secured Credit Card report your account activity to credit bureaus?
Yes, Texas Bay Credit Union Mastercard Share Secured Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Texas Bay Credit Union perform a hard credit pull?
Yes, Texas Bay Credit Union Mastercard Share Secured Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Texas Bay Credit Union Mastercard Share Secured Credit Card
- Visit the website of Texas Bay Credit Union Mastercard Share Secured Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 12:00PM