The Texas Bay Credit Union All Credit Levels is a cdfi lender from Texas Bay Credit Union. This product reports activity to your personal credit report. Texas Bay Credit Union is a member-focused financial institution based in Houston, TX, providing a range of financial services to its members. It serves individuals and businesses within the community, offering various lending options tailored to meet their needs. Services include: personal loans, auto loans, mortgages, business loans. US Treasury certified CDFI Credit Union in Houston, TX. Membership required.