What are the current interest rates at BayCoast Bank?

Current rates for BayCoast Bank include: 12-Month CD: 3.30%, 24-Month CD: 0.35%, 36-Month CD: 0.40%, 48-Month CD: 0.50%, 60-Month CD: 0.70%, Savings: 0.10%, MMA: 0.10%

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BayCoast Bank Rates & Review April 2026

Q: How many branches does BayCoast Bank operate?

BayCoast Bank currently maintains approximately 25 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, BayCoast Bank 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, BayCoast Bank 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

BayCoast Bank's 11-Month IRA CD Special rates are at 3.30%, 15-Month Statement CD Special* Certificate of Deposit (CD) rates are at 3.20%, 15-Month Statement IRA CD Special rates are at 3.20%, 4 - 5 Year Statement Certificate of Deposit (CD) rates are at 0.70%, IRA Certificate of Deposit (CD) 4 - 5 Year Statement rates are at 0.70%. BayCoast Bank's savings rates are at 0.10%. BayCoast Bank's money market rates are at 0.10%. BayCoast Bank's Personal Loan Rates are at 7.75%. MonitorBankRates evaluates the financial stability of BayCoast Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.32%. Rates were last updated on 04/04/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.32%

Excellent Lower than avg

BayCoast Bank

330 Swansea Mall Dr
Swansea, MA 02777

https://www.baycoast.bank

BayCoast Bank CD Rates

Product	Rate	APY	Term
11-Month IRA CD Special	3.25%	3.30%	11-Month
Min Deposit $5,000 Min Balance $10 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
15 Month Statement CD Special* Certificate of Deposit (CD)	3.15%	3.20%	15 Month
Min Deposit $500 Min Balance $10 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
15 Month Statement IRA CD Special	3.15%	3.20%	15 Month
Min Deposit $500 Min Balance $10 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
4 - 5 Year Statement Certificate of Deposit (CD)	0.70%	0.70%	5 Year
Min Deposit $500 Min Balance $10 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
IRA Certificate of Deposit (CD) 4 - 5 Year Statement	0.70%	0.70%	4
Min Deposit $500 Min Balance $10 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
3 - Less than 4 Year Statement Certificate of Deposit (CD)	0.50%	0.50%	3 - Less than 4 Year
Min Deposit $500 Min Balance $10 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
IRA Certificate of Deposit (CD) 3 - Less than 4 Year Statement	0.50%	0.50%	3
Min Deposit $500 Min Balance $10 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
24-35 Month Statement Certificate of Deposit (CD)	0.40%	0.40%	35 Month
Min Deposit $500 Min Balance $10 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
IRA Certificate of Deposit (CD) 24-35 Month Statement	0.40%	0.40%	24
Min Deposit $500 Min Balance $10 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
12-23 Month Statement Certificate of Deposit (CD)	0.35%	0.35%	23 Month
Min Deposit $500 Min Balance $10 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
IRA Certificate of Deposit (CD) 12-23 Month Statement	0.35%	0.35%	12
Min Deposit $500 Min Balance $10 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
6 month - Less than 1 Year Statement Certificate of Deposit (CD)	0.20%	0.20%	6 Months - Less than 1 Year
Min Deposit $500 Min Balance $10 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
IRA Certificate of Deposit (CD) 6 month - Less than 1 Year Statement	0.20%	0.20%	6 Months
Min Deposit $500 Min Balance $10 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%

BayCoast Bank Savings Rates

Product	Rate	APY
IRA Statement Savings	0.10%	0.10%
Min Deposit $10 Min Balance $10 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Savings Club	0.10%	0.10%
Min Deposit $5 Min Balance $10 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Statement Savings	0.10%	0.10%
Min Deposit $10 Min Balance $10 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%

BayCoast Bank Money Market Rates

Product	Rate	APY
Business Money Market Access Tier 4	0.20%	0.20%
Min Deposit $1,000 Min Balance $100,000 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Business Money Market Access Tier 5	0.20%	0.20%
Min Deposit $1,000 Min Balance $250,000 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Consumer Money Market Tier 4	0.20%	0.20%
Min Deposit $1,000 Min Balance $100,000 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Consumer Money Market Tier 5	0.20%	0.20%
Min Deposit $1,000 Min Balance $250,000 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Business Money Market Access Tier 3	0.15%	0.15%
Min Deposit $1,000 Min Balance $50,000 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Consumer Money Market Tier 3	0.15%	0.15%
Min Deposit $1,000 Min Balance $50,000 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Business Money Market Access Tier 1	0.10%	0.10%
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Business Money Market Access Tier 2	0.10%	0.10%
Min Deposit $1,000 Min Balance $10,000 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Consumer Money Market Tier 1	0.10%	0.10%
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Consumer Money Market Tier 2	0.10%	0.10%
Min Deposit $1,000 Min Balance $10,000 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%

BayCoast Bank Checking Rates

Product	Rate	APY
Active Checking Base Rate	0.15%	0.15%
Min Deposit $500 Min Balance $0 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Preferred Checking	0.10%	0.10%
Min Deposit $10 Min Balance $500 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%

BayCoast Bank Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit (HELOC)	-	-	6.50%
Details Introductory Rate Offer: Prime Rate as published in The Wall Street Journal ("Prime") minus 0.25% for the first 24 months in consideration of the applicant's authorization to automatically charge all payments due to a qualifying BayCoast Bank deposit account. Beginning with the 25th month, the rate will be Prime plus a margin and is subject to change. Loan term is a 10-year draw period followed by a 10-year repayment period. Minimum monthly payment during the draw period will be based on interest due or $100, whichever is greater. Monthly payments are variable based on the APR and outstanding principal balance. Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%

BayCoast Bank Auto Loan Rates

Product	Rate	Points	APR	Term
New Only Auto Loans	7.75%	-	7.75%	36 months
No additional details. Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
New Only Auto Loans	8.00%	-	8.00%	48 months
No additional details. Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Used Only Auto Loans	8.00%	-	8.00%	36 months
No additional details. Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
New Only Auto Loans	8.25%	-	8.25%	60 months
No additional details. Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Used Only Auto Loans	8.25%	-	8.25%	48 months
No additional details. Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
New Only Auto Loans	8.50%	-	8.50%	72 months
No additional details. Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Used Only Auto Loans	8.50%	-	8.50%	60 months
No additional details. Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%

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 BayCoast Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather BayCoast Bank 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 BayCoast Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name BayCoast Bank

Bank Holding Company NARRAGANSETT FINANCIAL CORP

Address 330 Swansea Mall Dr, Swansea, MA 02777 · Bristol

Website https://www.baycoast.bank

FDIC Certificate # 90196

Established 11/15/1851

FDIC Insurance Date 06/18/1985

Domestic Offices 25

Total Branches 25

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.32%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3380%

Return on Equity (ROE) 4.3600%

Non-Performing Loans (NPL) 0.10%

Total Assets $2,848,338,000

Total Deposits $2,434,755,000

Equity Capital $257,180,000

Net Income $11,683,000

Headquarters Swansea

Total Offices 25

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About BayCoast Bank

Is BayCoast Bank a safe place to deposit money?

Yes, BayCoast Bank is considered a safe financial institution. With a Texas Ratio of 1.3150595673115%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does BayCoast Bank operate?

BayCoast Bank currently maintains approximately 25 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, BayCoast Bank 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, BayCoast Bank provides members with tools to manage their accounts and build a solid financial history.

Does BayCoast Bank offer online and mobile banking?

Most modern institutions like BayCoast Bank 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.baycoast.bank.