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Bay Cities Credit Union

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Bay Cities Credit Union Rates & Review November 2026

Q: What are the current interest rates at Bay Cities Credit Union?

Current rates for Bay Cities Credit Union include: 12-Month CD: 2.01%, 18-Month CD: 1.96%, 24-Month CD: 1.97%, Savings: 0.02%, MMA: 0.75%

Q: What CD terms does Bay Cities Credit Union offer?

Bay Cities Credit Union CD rates are 2.634% APY for a 6 month CD, 3.365% APY for a 12 month CD, 3.417% APY for an 18 month CD, 3.056% APY for a 2 year CD and 3.004% APY for a 3 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Bay Cities Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Bay Cities Credit Union's Star CDs - 18 month (I57) rates are at 3.42%, Star CDs - 12 month (I56) rates are at 3.37%, Star CDs - 24 month (I58) rates are at 3.06%, Star CDs - 36 month (I59) rates are at 3.00%, Star CDs - 6 month (I55) rates are at 2.63%. Bay Cities Credit Union's savings rates are at 0.02%. Bay Cities Credit Union's money market rates are at 0.75%. Bay Cities Credit Union's checking rates are as high as 0.03%. Bay Cities Credit Union's Personal Loan Rates are as low as 10.00%. Bay Cities Credit Union's Credit Card Rates are at 9.50%. Bay Cities Credit Union's CD rates are 8% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Bay Cities Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.56%. Rates last updated and verified on 10/30/2026.

Bay Cities Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bay Cities Credit Union? Share your experience about Bay Cities Credit Union by leaving a review below, or read customer reviews before you decide to use Bay Cities Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.56%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Bay Cities Credit Union
Bay Cities Credit Union

22777 Main St
Hayward, CA 94541-5113

https://www.baycities.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Bay Cities Credit Union CD Rates

Product	Rate	APY	Term
IRA & Roth Certificates - 18 month (I67/I77)	3.36%	3.417%	18 month
Min Balance $100,000 Details Balance: $100,000+; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 3.42% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 18 month (I57)	3.36%	3.417%	18 month
Min Balance $100,000 Details Balance: $100,000 and over; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 3.42% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 12 month (I66/I76)	3.31%	3.365%	12 month
Min Balance $100,000 Details Balance: $100,000+; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 3.37% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 12 month (I56)	3.31%	3.365%	12 month
Min Balance $100,000 Details Balance: $100,000 and over; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 3.37% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 24 month (I68/I78)	3.01%	3.056%	24 month
Min Balance $100,000 Details Balance: $100,000+; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 3.06% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 24 month (I58)	3.01%	3.056%	24 month
Min Balance $100,000 Details Balance: $100,000 and over; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 3.06% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 36 month (I69/I79)	2.96%	3.004%	36 month
Min Balance $100,000 Details Balance: $100,000+; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 36 month (I59)	2.96%	3.004%	36 month
Min Balance $100,000 Details Balance: $100,000 and over; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 24 month (I68/I78)	2.95%	2.994%	24 month
Min Balance $50,000 Details Balance: $50,000-$99,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.99% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 24 month (I58)	2.95%	2.994%	24 month
Min Balance $50,000 Details Balance: $50,000-$99,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.99% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 12 month (I66/I76)	2.60%	2.634%	12 month
Min Balance $50,000 Details Balance: $50,000-$99,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.63% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 6 month (I65/I75)	2.60%	2.634%	6 month
Min Balance $100,000 Details Balance: $100,000+; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.63% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 12 month (I56)	2.60%	2.634%	12 month
Min Balance $50,000 Details Balance: $50,000-$99,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.63% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 6 month (I55)	2.60%	2.634%	6 month
Min Balance $100,000 Details Balance: $100,000 and over; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.63% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 18 month (I67/I77)	2.57%	2.603%	18 month
Min Balance $50,000 Details Balance: $50,000-$99,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 18 month (I57)	2.57%	2.603%	18 month
Min Balance $50,000 Details Balance: $50,000-$99,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 24 month (I68/I78)	2.50%	2.531%	24 month
Min Balance $25,000 Details Balance: $25,000-$49,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.53% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 24 month (I58)	2.50%	2.531%	24 month
Min Balance $25,000 Details Balance: $25,000-$49,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.53% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 3 month (I64/I74)	2.42%	2.449%	3 month
Min Balance $100,000 Details Balance: $100,000+; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 6 month (I65/I75)	2.42%	2.449%	6 month
Min Balance $50,000 Details Balance: $50,000-$99,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 3 month (I54M)	2.42%	2.449%	3 month
Min Balance $100,000 Details Balance: $100,000 and over; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 6 month (I55)	2.42%	2.449%	6 month
Min Balance $50,000 Details Balance: $50,000-$99,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 36 month (I69/I79)	2.39%	2.419%	36 month
Min Balance $50,000 Details Balance: $50,000-$99,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.42% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 36 month (I59)	2.39%	2.419%	36 month
Min Balance $50,000 Details Balance: $50,000-$99,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.42% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 12 month (I66/I76)	2.37%	2.398%	12 month
Min Balance $25,000 Details Balance: $25,000-$49,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 12 month (I56)	2.37%	2.398%	12 month
Min Balance $25,000 Details Balance: $25,000-$49,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 18 month (I67/I77)	2.32%	2.347%	18 month
Min Balance $25,000 Details Balance: $25,000-$49,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 3 month (I64/I74)	2.32%	2.347%	3 month
Min Balance $50,000 Details Balance: $50,000-$99,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 6 month (I65/I75)	2.32%	2.347%	6 month
Min Balance $25,000 Details Balance: $25,000-$49,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 18 month (I57)	2.32%	2.347%	18 month
Min Balance $25,000 Details Balance: $25,000-$49,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 3 month (I54M)	2.32%	2.347%	3 month
Min Balance $50,000 Details Balance: $50,000-$99,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 6 month (I55)	2.32%	2.347%	6 month
Min Balance $25,000 Details Balance: $25,000-$49,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 24 month (I68/I78)	2.25%	2.275%	24 month
Min Balance $10,000 Details Balance: $10,000-$24,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.28% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 24 month (I58)	2.25%	2.275%	24 month
Min Balance $10,000 Details Balance: $10,000-$24,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.28% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 3 month (I64/I74)	2.22%	2.245%	3 month
Min Balance $25,000 Details Balance: $25,000-$49,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 3 month (I54M)	2.22%	2.245%	3 month
Min Balance $25,000 Details Balance: $25,000-$49,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 36 month (I69/I79)	2.20%	2.224%	36 month
Min Balance $25,000 Details Balance: $25,000-$49,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.22% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 36 month (I59)	2.20%	2.224%	36 month
Min Balance $25,000 Details Balance: $25,000-$49,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.22% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 12 month (I66/I76)	2.17%	2.194%	12 month
Min Balance $10,000 Details Balance: $10,000-$24,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.19% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 12 month (I56)	2.17%	2.194%	12 month
Min Balance $10,000 Details Balance: $10,000-$24,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.19% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 18 month (I67/I77)	2.12%	2.143%	18 month
Min Balance $10,000 Details Balance: $10,000-$24,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.14% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 6 month (I65/I75)	2.12%	2.143%	6 month
Min Balance $10,000 Details Balance: $10,000-$24,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.14% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 18 month (I57)	2.12%	2.143%	18 month
Min Balance $10,000 Details Balance: $10,000-$24,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.14% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 6 month (I55)	2.12%	2.143%	6 month
Min Balance $10,000 Details Balance: $10,000-$24,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.14% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 3 month (I64/I74)	2.06%	2.081%	3 month
Min Balance $10,000 Details Balance: $10,000-$24,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.08% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 36 month (I69/I79)	2.06%	2.081%	36 month
Min Balance $10,000 Details Balance: $10,000-$24,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.08% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 3 month (I54M)	2.06%	2.081%	3 month
Min Balance $10,000 Details Balance: $10,000-$24,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.08% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 36 month (I59)	2.06%	2.081%	36 month
Min Balance $10,000 Details Balance: $10,000-$24,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.08% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 12 month (I66/I76)	2.04%	2.061%	12 month
Min Balance $5,000 Details Balance: $5,000-$9,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.06% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 12 month (I56)	2.04%	2.061%	12 month
Min Balance $5,000 Details Balance: $5,000-$9,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.06% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 12 month (I66/I76)	1.99%	2.01%	12 month
Min Balance $1,000 Details Balance: $1,000-$4,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 24 month (I68/I78)	1.99%	2.01%	24 month
Min Balance $5,000 Details Balance: $5,000-$9,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 36 month (I69/I79)	1.99%	2.01%	36 month
Min Balance $5,000 Details Balance: $5,000-$9,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 12 month (I56)	1.99%	2.01%	12 month
Min Balance $2,000 Details Balance: $2,000-$4,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 24 month (I58)	1.99%	2.01%	24 month
Min Balance $5,000 Details Balance: $5,000-$9,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 36 month (I59)	1.99%	2.01%	36 month
Min Balance $5,000 Details Balance: $5,000-$9,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 18 month (I67/I77)	1.97%	1.99%	18 month
Min Balance $5,000 Details Balance: $5,000-$9,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.99% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 18 month (I57)	1.97%	1.99%	18 month
Min Balance $5,000 Details Balance: $5,000-$9,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.99% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 36 month (I69/I79)	1.96%	1.979%	36 month
Min Balance $1,000 Details Balance: $1,000-$4,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.98% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 36 month (I59)	1.96%	1.979%	36 month
Min Balance $2,000 Details Balance: $2,000-$4,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.98% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 24 month (I68/I78)	1.95%	1.969%	24 month
Min Balance $1,000 Details Balance: $1,000-$4,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.97% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 24 month (I58)	1.95%	1.969%	24 month
Min Balance $2,000 Details Balance: $2,000-$4,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.97% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 18 month (I67/I77)	1.94%	1.959%	18 month
Min Balance $1,000 Details Balance: $1,000-$4,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.96% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 18 month (I57)	1.94%	1.959%	18 month
Min Balance $2,000 Details Balance: $2,000-$4,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.96% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 6 month (I65/I75)	1.85%	1.867%	6 month
Min Balance $5,000 Details Balance: $5,000-$9,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.87% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 6 month (I55)	1.85%	1.867%	6 month
Min Balance $5,000 Details Balance: $5,000-$9,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.87% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 3 month (I64/I74)	1.83%	1.847%	3 month
Min Balance $5,000 Details Balance: $5,000-$9,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 3 month (I54M)	1.83%	1.847%	3 month
Min Balance $5,000 Details Balance: $5,000-$9,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 6 month (I65/I75)	1.68%	1.694%	6 month
Min Balance $1,000 Details Balance: $1,000-$4,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.69% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 6 month (I55)	1.68%	1.694%	6 month
Min Balance $2,000 Details Balance: $2,000-$4,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.69% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA & Roth Certificates - 3 month (I64/I74)	1.66%	1.674%	3 month
Min Balance $1,000 Details Balance: $1,000-$4,999; Daily Compounded; A penalty may be imposed for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.67% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Star Certificates - 3 month (I54M)	1.66%	1.674%	3 month
Min Balance $2,000 Details Balance: $2,000-$4,999; $2,000 Minimum Balance; penalty may be imposed for early withdrawal; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.67% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%

Bay Cities Credit Union Savings Rates

Product	Rate	APY
Accumulation IRA Savings	0.02%	0.02%
Min Balance $100 Details Balance: $100-$1,000; Daily Compounded; A penalty may be imposed for early withdrawal. Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Accumulation IRA Savings	0.02%	0.02%
Min Balance $1,001 Details Balance: $1,001-$5,000; Daily Compounded; A penalty may be imposed for early withdrawal. Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Accumulation IRA Savings	0.02%	0.02%
Min Balance $5,001 Details Balance: $5,001-$10,000; Daily Compounded; A penalty may be imposed for early withdrawal. Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Accumulation IRA Savings	0.02%	0.02%
Min Balance $10,001 Details Balance: $10,001 and over; Daily Compounded; A penalty may be imposed for early withdrawal. Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
You Name It Club (S14), & Holiday Account (S15), Share Savings (S1)	0.02%	0.02%
Min Balance $5,001 Details Balance: $5,001-$10,000; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%

Bay Cities Credit Union Money Market Rates

Product	Rate	APY
Money Market (S5)	0.75%	0.753%
Min Balance $100,000 Details Balance: $100,000 and over; Daily Compounded; $1000 Minimum Balance to earn Dividends Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Money Market (S5)	0.65%	0.652%
Min Balance $50,000 Details Balance: $50,000 - $99,999; Daily Compounded; $1000 Minimum Balance to earn Dividends Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Money Market (S5)	0.55%	0.552%
Min Balance $25,000 Details Balance: $25,000 - $49,999; Daily Compounded; $1000 Minimum Balance to earn Dividends Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Money Market (S5)	0.50%	0.501%
Min Balance $10,000 Details Balance: $10,000 - $24,999; Daily Compounded; $1000 Minimum Balance to earn Dividends Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Money Market (S5)	0.40%	0.401%
Min Balance $5,000 Details Balance: $5,000 - $9,999; Daily Compounded; $1000 Minimum Balance to earn Dividends Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Money Market (S5)	0.25%	0.25%
Min Balance $1,000 Details Balance: $1,000 - $4,999; Daily Compounded; $1000 Minimum Balance to earn Dividends Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%

Bay Cities Credit Union Checking Rates

Product	Rate	APY
Dividend Checking (S2)	0.03%	0.03%
Min Balance $1,000 Details Balance: $1,000-$4,999; Dividends paid monthly; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Dividend Checking (S2)	0.03%	0.03%
Min Balance $5,000 Details Balance: $5,000-$9,999; Dividends paid monthly; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Dividend Checking (S2)	0.03%	0.03%
Min Balance $10,000 Details Balance: $10,000-$24,999; Dividends paid monthly; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Dividend Checking (S2)	0.03%	0.03%
Min Balance $25,000 Details Balance: $25,000-$49,999; Dividends paid monthly; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Dividend Checking (S2)	0.03%	0.03%
Min Balance $50,000 Details Balance: $50,000-$99,999; Dividends paid monthly; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Dividend Checking (S2)	0.03%	0.03%
Min Balance $100,000 Details Balance: $100,000 and over; Dividends paid monthly; Daily Compounded Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%

Bay Cities Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Loans - Fixed Equity	-	-	5.25%	7 years
Details As Low As; up to 80% LTV or $100,000, whichever is less; 10 or 15 year loans also available; maximum APR 12.0% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%

Bay Cities Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Basic Transportation Car Loan	-	-	4.50%	Up to 60 months
Details As Low As; Financing: Up to 125% of Kelley Blue Book, including tax & license (must be purchased from a dealership); *APR = Annual Percentage Rate; rates based on credit profile Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
New Auto	-	-	4.50%	Up to 84 months
Details As Low As; Financing: Up to 125% of Kelley Blue Book, including tax & license; *APR = Annual Percentage Rate; rates based on credit profile Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Used Auto	-	-	4.50%	Up to 84 months
Details As Low As; Financing: Up to 125% of Kelley Blue Book, including tax & license; *APR = Annual Percentage Rate; rates based on credit profile Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Older Cars (2019 or older) Loan	-	-	7.00%	Up to 60 months
Details As Low As; Financing: Up to 125% of Kelley Blue Book, including tax & license; *APR = Annual Percentage Rate; rates based on credit profile Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%

Bay Cities Credit Union Credit Card Rates

Product	Rate	APR
Platnium VISA Credit Card	-	9.50%
Details Regular APR for purchases; Cash Advance APR: 10.5%; Penalty APR:; Minimum Interest Charge:; Annual Fee:; Balance Transfer Fee:; Cash Advance Fee:; Foreign Transaction Fee:; Late Payment: $15 when 15 or more days late; Over the Credit Limit:; Returned Payment: $25; Grace period: due date at least 25 days after billing cycle close Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Gold VISA Credit Card	-	10.50%
Details Regular APR for purchases; Cash Advance APR: 11.5%; Penalty APR:; Minimum Interest Charge:; Annual Fee:; Balance Transfer Fee:; Cash Advance Fee:; Foreign Transaction Fee:; Late Payment: $15 when 15 or more days late; Over the Credit Limit:; Returned Payment: $25; Grace period: due date at least 25 days after billing cycle close Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 10.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Classic VISA Credit Card	-	14.50%
Details Regular APR for purchases; Cash Advance APR: 15.5%; Penalty APR:; Minimum Interest Charge:; Annual Fee:; Balance Transfer Fee:; Cash Advance Fee: Greater of 1.5% of amount or $2; Foreign Transaction Fee: 1% of each foreign currency transaction in U.S. dollars; 0.80% of each U.S. dollar transaction that occurs in a foreign country; Late Payment: $15 when 15 or more days late; Over the Credit Limit:; Returned Payment: $25; Grace period: due date at least 25 days after billing cycle close Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 14.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Standard VISA Credit Card	-	17.75%
Details Regular APR for purchases; Cash Advance APR: 18.75%; Penalty APR:; Minimum Interest Charge:; Annual Fee: $20; Balance Transfer Fee:; Cash Advance Fee: Greater of 1.5% of amount or $2; Foreign Transaction Fee: 1% of each foreign currency transaction in U.S. dollars; 0.80% of each U.S. dollar transaction that occurs in a foreign country; Late Payment: $15 when 15 or more days late; Over the Credit Limit:; Returned Payment: $25; Grace period: due date at least 25 days after billing cycle close Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 17.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%

Bay Cities Credit Union Personal Loan Rates

Product	APR	Term
Personal / Personal Line of Credit	10.00%	Up to 72 months
Details As Low As; Maximum amount $35,000; Rates based on credit profile; 0.50% discount available with Auto Pay Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Signature Series - Preferred Personal Loan	11.50%	Up to 48 months
Details As Low As; one rate; Maximum Amount: up to $10,500 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 11.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Preferred Personal Loan	12.00%	Up to 36 months
Details As Low As; Maximum amount $5,000; Rates based on credit profile; 0.50% discount available with Auto Pay Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%

Bay Cities Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Credit Rebuilder Loan	-	-	12.00%	Up to 12 months
Details As Low As; Maximum amount $5,000; Loans from $500 to $5,000 secured by savings account; Loan rate can decrease as credit score improves; 0.50% discount available with Auto Pay Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Bay Cities Credit Union’s Texas Ratio stayed near 2.22% in Q3 2023 to 2.56% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$78M	2.56%	5.0	A+
March 31, 2026	$79M	1.77%	5.0	A+
December 31, 2025	$78M	2.52%	5.0	A+
September 30, 2025	$78M	5.46%	5.0	A+
June 30, 2025	$78M	2.31%	5.0	A+
March 31, 2025	$78M	1.54%	5.0	A+
December 31, 2024	$76M	3.11%	5.0	A+
September 30, 2024	$77M	3.84%	5.0	A+
June 30, 2024	$77M	5.49%	5.0	A+
March 31, 2024	$80M	4.19%	5.0	A+
December 31, 2023	$80M	3.00%	5.0	A+
September 30, 2023	$82M	2.22%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Bay Cities Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Bay Cities Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Bay Cities Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Bay Cities Credit Union

Website https://www.baycities.org

Address 22777 Main St, Hayward, CA 94541-5113

Phone 510-690-6100

Fax 510-881-1929

President Norman Weisbrod

CEO Georgette Munoz

Full-Time Employees 16

Part-Time Employees 3

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.56%

Return on Assets (ROA)

0.4932%

Return on Equity (ROE)

3.8824%

Non-Performing Loans Ratio (NPL)

0.86%

Total Assets

77,580,219

Total Amount of Shares and Deposits

67,422,545

Total Shares and Deposits < 1 Year

66,987,770

Total Shares and Deposits 1 3 Years

434,775

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

3,586,645

Total Uninsured Shares and Deposits > $250K (F+J)

3,586,645

Total Insured Shares and Deposits > $250K (item 17 less item K)

63,835,900

Total Interest Expense (Sum of items 6 8)

79,255

Share Certificates

101

Number of Accounts for Share Drafts

2,066

IRA KEOGH Accounts

Number of Accounts for Regular Shares

7,017

All other shares

101

Money Market Shares

186

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,213,409

Total Liabilities

67,724,402

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Bay Cities Credit Union earned the Verified Healthy badge

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Bay Cities Credit Union

Does Bay Cities Credit Union offer CDs?

Yes. Bay Cities Credit Union current CD rates include its Star CDs - 18 month (I57) at 3.417% APY, its Star CDs - 12 month (I56) at 3.365% APY and its Star CDs - 24 month (I58) at 3.056% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Bay Cities Credit Union NCUA insured?

Yes. Bay Cities Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Bay Cities Credit Union?

The highest Bay Cities Credit Union CD rate is its IRA & Roth CDs - 18 month (I67/I77) at 3.417% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Bay Cities Credit Union offer?

Bay Cities Credit Union CD rates are 2.634% APY for a 6 month CD, 3.365% APY for a 12 month CD, 3.417% APY for an 18 month CD, 3.056% APY for a 2 year CD and 3.004% APY for a 3 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Bay Cities Credit Union for its full lineup.

What is the highest savings rate at Bay Cities Credit Union?

The highest Bay Cities Credit Union savings rate is its Accumulation IRA Savings at 0.02% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Bay Cities Credit Union?

The highest Bay Cities Credit Union money market rate is its Money Market (S5) at 0.753% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Bay Cities Credit Union?

The highest Bay Cities Credit Union checking rate is its Dividend Checking (S2) at 0.03% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Bay Cities Credit Union?

The lowest Bay Cities Credit Union auto loan rate is its Basic Transportation Car Loan at 4.50% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Bay Cities Credit Union?

The lowest Bay Cities Credit Union personal loan rate is its Personal / Personal Line of Credit at 10.00% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at Bay Cities Credit Union?

The lowest Bay Cities Credit Union credit card APR is its Platnium VISA Credit Card at 9.50% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Bay Cities Credit Union operate?

Bay Cities Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Bay Cities Credit Union?

Yes, to access services at Bay Cities Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Bay Cities Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bay Cities Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Bay Cities Credit Union offer online and mobile banking?

Most modern institutions like Bay Cities Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.baycities.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Bay Cities Credit Union rates compare?

Bay Cities Credit Union's CD rates are 8% higher than the MonitorBankRates national average, and it has an A+ health rating. Bay Cities Credit Union's top rates are its IRA & Roth CDs - 18 month (I67/I77) at 3.417% APY, its Accumulation IRA Savings at 0.02% APY, its Money Market (S5) at 0.753% APY, its Dividend Checking (S2) at 0.03% APY, its Personal / Personal Line of Credit at 10.00% APR and its Platnium VISA Credit Card at 9.50% APR, verified by MonitorBankRates on October 30, 2026.

Current Bay Cities Credit Union Rates

12-Month CD2.01%
18-Month CD1.96%
24-Month CD1.97%
Savings0.02%
MMA0.75%

Retrieved from our database of financial products. Rates subject to change.

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Bay Cities Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Bay Cities Credit Union Texas Ratio

Bay Cities Credit Union Health Trend

Bay Cities Credit Union CD Rates

Bay Cities Credit Union Savings Rates

Bay Cities Credit Union Money Market Rates

Bay Cities Credit Union Checking Rates

Bay Cities Credit Union Home Equity & HELOC

Bay Cities Credit Union Auto Loan Rates

Bay Cities Credit Union Credit Card Rates

Bay Cities Credit Union Personal Loan Rates

Bay Cities Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Bay Cities Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Bay Cities Credit Union

Does Bay Cities Credit Union offer CDs?

Are CDs from Bay Cities Credit Union NCUA insured?

What is the highest CD rate at Bay Cities Credit Union?

What CD terms does Bay Cities Credit Union offer?

What is the highest savings rate at Bay Cities Credit Union?

What is the highest money market rate at Bay Cities Credit Union?

What is the highest checking rate at Bay Cities Credit Union?

What is the lowest auto loan rate at Bay Cities Credit Union?

What is the lowest personal loan rate at Bay Cities Credit Union?

What is the lowest credit card APR at Bay Cities Credit Union?

How many branches does Bay Cities Credit Union operate?

Is a member application needed to join Bay Cities Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Bay Cities Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Bay Cities Credit Union rates compare?

Current Bay Cities Credit Union Rates

Compare to Other Credit Unions