Memorial Day (Click here to learn more)

All Chocolate Bayou branches will be closed on Monday, May 29th in observance of Memorial Day. Our drive-thru will be open normal hours on Saturday, May 27th. We will resume normal operating hours on Tuesday, May 30th. Thank you for your membership with us!

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Savings Accounts

Save for Christmas, a vacation, retirement, or even a rainy day! We have lots of options to help you reach your goals, whatever they may be. See a Chocolate Bayou Credit Union Member Service Representative to start your account today!

Basic Savings

A secure place to stash your money. Members may have up to 2 primary basic Savings Accounts.

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How to Open
Stop by any Chocolate Bayou branch with:

  • $5 opening deposit for membership savings account(+ more if desired)
  • Valid Government issued photo ID + a second form of identification (Social Security card, official tax documents, or utility bills are acceptable. Ask a representative for more options. Current members need only furnish Valid government issued, photo I.D.)

2nd Savings

The safest place to stash your emergency savings!

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How to Open
Stop by any Chocolate Bayou branch with:

    • Valid Government issued photo ID + a second form of identification (Social Security card, official tax documents, or utility bills are acceptable. Ask a representative for more options. Current members need only furnish Valid government issued, photo I.D.)

Kids' Savings Club

A fun way for kids to learn about money! Chocolate Bayou’s Mudbug Kids’ Savings Club was created for children age 0 – 12.

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How to Open
Open a Mudbug Savings Account for a special child in your life! Stop by any Chocolate Bayou branch with:

  • $5 opening deposit for membership savings account(+ more if desired)
  • Child’s birth certificate and social security card
  • Parent , legal guardian, or other family member’s valid government issued photo ID and a second form of identification (Social Security card, official tax documents, or utility bills are acceptable. Ask a representative for more options. Parent, legal guardian, or other family member must be 18 or older. Current members need only furnish valid government issued, photo I.D.)

Christmas Club Savings

A smart way to save for the holidays. Members may have 1 primary Christmas Club Savings Account.

  • No monthly maintenance fee
  • Federally insured up to $250,000 by the NCUA
  • Free money management tools
  • Limited access to encourage saving
  • Open withdrawal period each year (November 15 through January 15)
  • Low fee assessed if emergency access to funds is needed ($5)

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How to Open
Stop by any Chocolate Bayou branch with:

  • $5 opening deposit for membership savings account(+ more if desired)
  • Valid Government issued photo ID + a second form of identification (Social Security card, official tax documents, or utility bills are acceptable. Ask a representative for more options. Current members need only furnish Valid government issued, photo I.D.) 

Vacation Savings

Save up to take a dream vacation! Members may have 1 primary Vacation Savings Account.

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How to Open
Stop by any Chocolate Bayou branch with:

  • $5 opening deposit for membership savings account(+ more if desired)
  • Valid Government issued photo ID + a second form of identification (Social Security card, official tax documents, or utility bills are acceptable. Ask a representative for more options. Current members need only furnish Valid government issued, photo I.D.)

Term Share Certificate

Grow your money with a Chocolate Bayou Term Share Certificate.

  • No monthly maintenance fee
  • Federally insured up to $250,000 by the NCUA
  • Free money management tools
  • Low minimum balance of just $1,000
  • Terms from 3 months to 5 years

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How to Open
Stop by any Chocolate Bayou branch with:

  • $1,000 or more
  • Valid Government issued photo ID + a second form of identification (Social Security card, official tax documents, or utility bills are acceptable. Ask a representative for more options. Current members need only furnish Valid government issued, photo I.D.) 

Individual Retirement Account (IRA)

It’s never too early to start saving for retirement!

  • No monthly maintenance fee
  • Federally insured up to $250,000 by the NCUA
  • Free money management tools
  • Low minimum deposit of just $5
  • IRA certificates available for terms from 3 months to 5 years

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How to Open
Stop by any Chocolate Bayou branch with:

  • $5 opening deposit (+ more if desired)
  • Valid Government issued photo ID + a second form of identification (Social Security card, official tax documents, or utility bills are acceptable. Ask a representative for more options. Current members need only furnish Valid government issued, photo I.D.)

SWBC Financial Consulting

Chocolate Bayou Credit Union and SWBC Investment Services

Working Together as a Team

Chocolate Bayou has partnered with SWBC Investment Services, LLC to offer complete financial services to our members.

Through SWBC Investment Services, located at Chocolate Bayou Credit Union, members have a team committed to helping them achieve long-term financial success. With today’s economic challenges and diverse investment choices, you need a trusted team who can simplify the investment process and can help you determine your short- and long-term investment needs.

From helping establish an IRA to developing a comprehensive plan for a multi-million dollar estate to simply reviewing your portfolio, we will work with you to help you clearly identify your goals and create customize a portfolio.

Our Financial Advisor – Paul Grover

Paul has been serving Chocolate Bayou members for more than 20 years. He has earned the trust and respect of his clients by identifying their needs and creating custom-designed investment solutions.

Whether your financial needs are short- or long-term, Paul will help you work toward your goals by providing quality products and services tailored for you.
He and his client associate, Adam Cohen, are dedicated to providing you with the very best service and support. For more information and to schedule an appointment, contact Paul today at (409) 771-3050 or [email protected].

Mario A. Moreno, Licensed Client Associate

Mario is available to assist clients with account management, trading, distribution, and service needs in both English and Spanish.

He is a graduate of The University of Incarnate Word with a Master’s in Business Administration (MBA) and has been in the financial services industry for nearly three years. Mario can be reached directly at 210.376.3388 or [email protected].

If you need to place a trade, please call SWBC’s home office operations department at 1 (866) 884-2605.

Supervisory Office:
John Tuohy
SWBC Investment Services, LLC
9311 San Pedro, Suite 600   I  San Antonio, TX  78216
Office (toll-free): 1 (866) 884 – 2605 I Fax – (210) 635 – 1203 I Email – [email protected]
Securities offered through SWBC Investment Services LLC, a registered broker/dealer. Member FINRA & SIPC. Advisory services offered through SWBC Investment Company, a Registered Investment Advisor. SWBC Investment Services, LLC & SWBC Investment Company are not affiliated with Chocolate Bayou Community FCU. NO CREDIT UNION GUARANTEE. NOT NCUSIF INSURED. MAY LOSE VALUE.Check the background of this investment professional on FINRA’s BrokerCheck.

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