Baybank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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BaybankToday's 12-month CD rates can be found at 3.30%, 6-month CD rates at 4.30% and 3-month CD rates at 4.25%. Current savings rates are at 0.10% and money market rates are at 0.20%. Mortgage rates today on 30-year fixed loans are around 6.83%. Credit Card rates are at 8.99%. Personal Loan rates are at 11.90%. All these rates, and more, can be found in our database of rates.

To see how these rates compare to Baybank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Baybank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Baybank CD rates. You can also compare Baybank savings rates, MMA rates and mortgage rates using our other rate lists.

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

Baybank Texas Ratio

Baybank's Texas Ratio is at 9.69%, which is considered excellent. The Texas Ratio for Baybank is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Baybank is a good bank worth considering, with an overall rating of 3 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Baybank
104 S 10th St
Gladstone, MI 49837
Member FDIC
MonitorBankRates' Rating
3/5
★★★☆☆

Compare Baybank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
First State Bank of Beecher City
First State Bank of Beecher City
6-Month CD
4.25%
$500
First Southern State Bank
First Southern State Bank
12-Month CD
4.06%
$500
Dieterich Bank
Dieterich Bank
9-Month CD
4.05%
$500
Ivy Bank, a div of Cambridge Savings Bank
Ivy Bank, a div of Cambridge Savings Bank
12-Month CD
4.00%
$1,000
WVS West View SB
WVS West View SB
12-Month CD
4.00%
$500
The Clay City Banking Co.
The Clay City Banking Co.
12-Month CD
3.91%
$1,000
Dearborn Federal Savings Bank
Dearborn Federal Savings Bank
120-Month CD
3.85%
$500
Gunnison S&L
Gunnison S&L
30-Month CD
3.82%
$1
Adams State Bank
Adams State Bank
30-Month CD
3.80%
$1,000
First Central Savings Bank Glen Cove, NY
First Central Savings Bank Glen Cove, NY
24-Month CD
3.70%
$500
State Bank of India US
State Bank of India US
60-Month CD
3.50%
$1,000
Susser Bank
Susser Bank
48-Month CD
3.50%
$1,000
Torrington Savings Bank
Torrington Savings Bank
12-Month CD
3.50%
$1,000
Marion County State Bank
Marion County State Bank
24-Month CD
3.35%
$1,000
Bank of Rantoul
Bank of Rantoul
48-Month CD
3.34%
$500
Table Rock Community Bank
Table Rock Community Bank
24-Month CD
3.25%
$1,000
State Bank Waterloo, IL
State Bank Waterloo, IL
18-Month CD
3.15%
$1,000
River Bank
River Bank
24-Month CD
3.03%
$1,000
Teachers Federal Credit Union
Teachers Federal Credit Union
36-Month CD
3.00%
$500
Farmers State Bank of Newcastle
Farmers State Bank of Newcastle
Super NOW Checking
3.00%
$50,000
Great Midwest Bank
Great Midwest Bank
72-Month CD
3.00%
$1,000
Jarrettsville Federal S&L
Jarrettsville Federal S&L
72-Month CD
3.00%
$500
United Valley Bank
United Valley Bank
24-Month CD
3.00%
$500
Crest Savings Bank
Crest Savings Bank
36-Month CD
3.00%
$500
VISIONBank Saint Francis, MN
VISIONBank Saint Francis, MN
48-Month CD
2.85%
$500
FSB of Cando
FSB of Cando
36-Month CD
2.75%
$500
Acadia Federal Credit Union
Acadia Federal Credit Union
6-Month CD
2.53%
$1,000
Benton State Bank
Benton State Bank
36-Month CD
2.52%
$500
Hocking Valley Bank
Hocking Valley Bank
18-Month CD
2.50%
$1,000
1st Gateway Credit Union
1st Gateway Credit Union
24-Month CD
2.10%
$1,000
Northern Interstate Bank, N. A.
Northern Interstate Bank, N. A.
36-Month CD
2.07%
$1,000
The Bank of South Carolina
The Bank of South Carolina
12-Month CD (Jumbo)
2.00%
$250,000
Hilltop National Bank
Hilltop National Bank
30-Month CD
1.76%
$1,000
The Peoples Community Bank
The Peoples Community Bank
48-Month CD
1.55%
$500
Mechanics Cooperative Bank
Mechanics Cooperative Bank
18-Month CD
1.50%
$500
Southwest National Bank
Southwest National Bank
12-Month CD
1.25%
$500
The Apple Creek Banking Company
The Apple Creek Banking Company
24-Month CD
1.25%
$500
ABCO Federal Credit Union
ABCO Federal Credit Union
Money Market
1.20%
$50,000
State Bank of Graymont
State Bank of Graymont
12-Month CD
0.90%
$1,000
Bank of 1889
Bank of 1889
12-Month CD
0.50%
$500
TruBank
TruBank
Money Market
0.50%
$2,500
F&M Bank & Trust Burlington, IA
F&M Bank & Trust Burlington, IA
48-Month CD
0.50%
$500
Sullivan Bank
Sullivan Bank
12-Month CD
0.50%
$1,000
Bank of Pontiac
Bank of Pontiac
18-Month CD
0.45%
$500
Achieve Financial Credit Union
Achieve Financial Credit Union
48-Month CD
0.35%
$1,000
Collinsville Building and Loan Association
Collinsville Building and Loan Association
60-Month CD
0.25%
$500
LMCU Lake Michigan Credit Union
LMCU Lake Michigan Credit Union
Max Savings
0.25%
$100
First FSB of Champaign Urbana
First FSB of Champaign Urbana
12-Month CD
0.15%
$1,000
NVE Bank
NVE Bank
Retirement Savings
0.07%
$10
Commercial Bank and Trust of PA
Commercial Bank and Trust of PA
12-Month CD
0.05%
$500
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates February 19, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
5.125%
5.230%
0.000
5.560%
5.250%
0.000
15 Year Fixed
5.300%
5.390%
0.000
5.250%
5.491%
0.000
5.300%
5.518%
0.000
5.375%
5.525%
0.750
5.500%
5.614%
0.000
5.500%
5.654%
0.000
30-Year Fixed
5.560%
5.730%
0.000
5.750%
5.756%
0.000
15-Year Fixed
5.500%
5.785%
0.000
5.750%
5.793%
0.000
5.625%
5.797%
0.000
5.750%
5.801%
0.000
5.750%
5.801%
0.000
15-Year Fixed
5.750%
5.806%
0.000
10-Year Fixed (Power Rate)
5.500%
5.814%
0.000
5.500%
5.820%
0.000
5.750%
5.832%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Our apologies, we do not have Baybank rate data right now, check back for updates, we are adding rates all the time.

Baybank Information

Baybank
104 S 10th St
Gladstone, MI 49837
Delta
Established Date: 07/01/1912
FDIC Certificate #: 1092
Date of FDIC Deposit Insurance: 01/01/1934
Bank Holding Company: BAYBANK CORP
How Many Domestic U.S. Offices? 3
How Many Branches are There? 3
Is Baybank FDIC Insured? Yes
What is Baybank's Cert number? 1092
What is the maximum amount for insured deposits? $250,000 per holder, per account

Baybank Financials

Total Assets:
$155,000,000
Total Deposits:
$136,503,000
Equity Capital:
$12,479,000
Domestic Deposits:
$136,503,000
Net Income:
$357,000
Return on Assets:
0.9453%
Quarterly Return on Assets:
0.9200%
Pretax Return on Assets:
1.1434%
Pretax Quarterly Return on Assets:
1.1400%
Return on Equity:
12.4600%
Quarterly Return on Equity:
11.5800%
Leverage Tier 1 (Core Capital) Ratio:
9.5604%
Total Interest Income (YTD):
5.4422%
 
 
Headquarters:
Gladstone
FDIC Field Office:
Appleton
Regulator:
FDIC
County:
Delta
# of Offices:
3
Metropolitan Statistical Area (MSA):
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Central
FDIC Region:
Chicago
Source: FDIC Last Updated 03/31/2024

Explore Other Rate Deals

American Express Bank, the banking division of the credit card company American Express, continues to offer one of the highest savings account rates available. Amex savings rates are current at 1.00% with a yield of 1.00%. Amex's savings rate is slightly better than Ally Bank and Aurora Bank's savings account rates.
Mortgage Rates at Lowest Level Since Monday, 30 Year Mortgage Rates at 4.12%Mortgage rates are lower today, falling back to the lowest levels since this past Monday.  Today’s mortgage rates on 30 year fixed conforming mortgages are averaging 4.12%, a decline from yesterday’s average 30 year mortgage rate of 4.16%. 15 year fixed conforming mortgage rates are averaging 3.43%, a decrease from yesterday’s average 15 year mortgage rate of 3.46%.
We are getting closer and closer to a new cycle of the FOMC increasing interest rates, so banks are jumping ahead and increasing CD rates now.  As a result, on the rate table there are 16 banks and credit unions now offering 1 year CD rates at or above 1.00 percent. These higher CD rates offered by these financial institutions have pushed the average 1 year CD rate towards 1.00 percent.

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