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Bay Shore Credit Union

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Bay Shore Credit Union Rates & Review April 2026

Q: How many branches does Bay Shore Credit Union operate?

Bay Shore 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 Shore Credit Union?

Yes, to access services at Bay Shore 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: Is there a first-time homebuyer program?

Currently, Bay Shore 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bay Shore 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: April 4, 2026

Bay Shore Credit Union's Personal Loan Rates are at 3.75%. MonitorBankRates evaluates the financial stability of Bay Shore Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.87%. Rates were last updated on 04/04/2026.

Bay Shore 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 Shore Credit Union? Share your experience about Bay Shore Credit Union by leaving a review below, or read customer reviews before you decide to use Bay Shore Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.87%

Excellent Lower than avg

Bay Shore Credit Union
Bay Shore Credit Union Main

1514 Cleveland Ave
Marinette, WI 54143 3921

https://www.bayshorecu.org

Bay Shore Credit Union Credit Card Rates

Product	Rate	APR
MasterCard	-	8.90%
Details As Low As; No annual fees. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.87%
MasterCard Credit Card	-	8.90%
Details As Low As; NO ANNUAL FEE; NO FEE CASH ADVANCES when taken at the Credit Union; NO FEE CHECKING with MasterCard; Payments can be made at the Credit Union or online; DEBT PROTECTION PRODUCTS are available for your MasterCard; Monthly Minimum Payment: 3% of your total balance OR $20 whichever is greater; No application fee; No transaction fee for purchases; 25 day grace period on all new purchases; $250,000 of Travel Accident Insurance protection; Debt protection available (life, disability, unemployment) Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.87%

Bay Shore Credit Union Personal Loan Rates

Product	Rate	APR	View More
Consumer/Personal Loans	-	3.75%
Details As Low As; Rates are subject to change without notice. Rates depend on type of loan, term and applicant eligibility. Contact a loan officer at 715-732-0065 for current rates and payment information. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.87%

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.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Bay Shore 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 Shore 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 Shore Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Bay Shore Credit Union

Website https://www.bayshorecu.org

Address 1514 Cleveland Ave, Marinette, WI 54143 3921

Phone 715-732-0065

Fax 715-732-2794

President Mitch Hubert

CEO Vicki Carviou

Full-Time Employees 10

Part-Time Employees 0

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+ (100/100)

Texas Ratio

0.87%

Return on Assets (ROA)

0.8132%

Return on Equity (ROE)

4.4710%

Non-Performing Loans Ratio (NPL)

0.38%

Total Assets

46,043,038

Total Amount of Shares and Deposits

36,767,063

Total Shares and Deposits < 1 Year

35,855,489

Total Shares and Deposits 1 3 Years

879,819

Total Shares and Deposits > 3 Years

31,754

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

1,560,081

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

1,560,081

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

35,206,982

Total Interest Expense (Sum of items 6 8)

181,534

Share Certificates

205

Number of Accounts for Share Drafts

1,706

IRA KEOGH Accounts

125

Number of Accounts for Regular Shares

4,225

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

374,403

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,494,783

Total Liabilities

37,673,096

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Bay Shore Credit Union

Is Bay Shore Credit Union a safe place to deposit money?

Yes, Bay Shore Credit Union is considered a safe financial institution. With a Texas Ratio of 0.87345646725353%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Bay Shore Credit Union operate?

Bay Shore 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 Shore Credit Union?

Yes, to access services at Bay Shore 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 Shore 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 Shore Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Bay Shore Credit Union offer online and mobile banking?

Most modern institutions like Bay Shore 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.bayshorecu.org.