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Bay Cities Credit Union

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Bay Cities Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Bay Cities Credit Union's top rates as of October 13, 2026 are personal loans from 10.00% APR, and credit cards from 9.50% APR, according to rates verified by MonitorBankRates. 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 10/13/2026.

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 Q2 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 Auto Loan Rates

Product	Rate	Points	APR	Term
Basic Transportation Car Loan	-	-	4.50%	Up to 60 months
Details As low as; must be purchased from a dealership; Auto Pay 0.50%; Gas Saver 0.50% Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.50% APR · checked 5 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; Auto Pay 0.50%; Gas Saver 0.50% Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.50% APR · checked 5 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; Auto Pay 0.50%; Gas Saver 0.50% Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.50% APR · checked 5 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; Auto Pay 0.50%; Gas Saver 0.50% Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%

Bay Cities Credit Union Credit Card Rates

Product	Rate	APR
VISA Credit Cards - Platnium	-	9.50%
Details Annual Percentage Rates for Purchases: 9.5%; Annual Percentage Rates for Cash Advances: 10.5%; Penalty Annual Percentage Rate:; Annual Fee:; Transaction Fees Balance Transfer:; Transaction Fees Cash Advance:; Transaction Fees Foreign Transaction:; Penalty Fees Late Payment: $15 when the payment is 15 or more days late; Penalty Fees Over the Credit Litmit:; Penalty Fees Returned Payment: $25; How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
VISA Credit Cards - Gold	-	10.50%
Details Annual Percentage Rates for Purchases: 10.5%; Annual Percentage Rates for Cash Advances: 11.5%; Penalty Annual Percentage Rate:; Annual Fee:; Transaction Fees Balance Transfer:; Transaction Fees Cash Advance:; Transaction Fees Foreign Transaction:; Penalty Fees Late Payment: $15 when the payment is 15 or more days late; Penalty Fees Over the Credit Litmit:; Penalty Fees Returned Payment: $25; How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 10.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
VISA Credit Cards - Classic	-	14.50%
Details Annual Percentage Rates for Purchases: 14.5%; Annual Percentage Rates for Cash Advances: 15.5%; Penalty Annual Percentage Rate:; Annual Fee:; Transaction Fees Balance Transfer:; Transaction Fees Cash Advance: Greater of 1.5% of amount or $2; Transaction Fees Foreign Transaction: 1% of each foreign currency transaction in U.S. dollars 0.80% of each U.S. dollar transaction that occurs in a foreign country; Penalty Fees Late Payment: $15 when the payment is 15 or more days late; Penalty Fees Over the Credit Litmit:; Penalty Fees Returned Payment: $25; How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 14.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
VISA Credit Cards - Standard	-	17.75%
Details Annual Percentage Rates for Purchases: 17.75%; Annual Percentage Rates for Cash Advances: 18.75%; Penalty Annual Percentage Rate:; Annual Fee: $20; Transaction Fees Balance Transfer:; Transaction Fees Cash Advance: Greater of 1.5% of amount or $2; Transaction Fees Foreign Transaction: 1% of each foreign currency transaction in U.S. dollars 0.80% of each U.S. dollar transaction that occurs in a foreign country; Penalty Fees Late Payment: $15 when the payment is 15 or more days late; Penalty Fees Over the Credit Litmit:; Penalty Fees Returned Payment: $25; How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 17.75% APR 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 10.00% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 6 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 12.00% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 6 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 12.00% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 6 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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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

Q2 2026 MBR Health & Safety Badge

Bay Cities Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Bay Cities Credit Union

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.