What are the current interest rates at BayCoast Bank?

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

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Banks›
BayCoast Bank

iAdvertiser Disclosure

BayCoast Bank Rates & Review September 2026

Q: How many branches does BayCoast Bank operate?

BayCoast Bank currently maintains approximately 26 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 and Verified: September 20, 2026

BayCoast Bank's 15-Month IRA Certificate of Deposit (CD) rates are at 3.20%, 15-Month Statement CD Special rates are at 3.20%, 4 - 5 Year Statement IRA Certificate of Deposit (CD) rates are at 0.70%, 3-Months 3-Month IRA Certificate of Deposit (CD) rates are at 0.50%, 24-Months 24-Month IRA Certificate of Deposit (CD) rates are at 0.40%. 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 as low as 14.24%. MonitorBankRates evaluates the financial stability of BayCoast Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.75%. Rates last updated and verified on 09/20/2026.

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.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.75%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

BayCoast Bank

330 Swansea Mall Dr
Swansea, MA 02777

https://www.baycoast.bank

BayCoast Bank CD Rates

Product	Rate	APY	Term
15 Month IRA Certificate of Deposit (CD)	3.15%	3.20%	15 Month
Min Deposit $500 Min Balance $10 Details Term: 15 Month Statement IRA CD Special* Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
15 Month Statement CD Special	3.15%	3.20%	15 Month
Min Deposit $500 Min Balance $10 Details Term: 15 Month Statement CD Special; * Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
4 - 5 Year Statement IRA Certificate of Deposit (CD)	0.70%	0.70%	4 - 5 Year Statement
Min Deposit $500 Min Balance $10 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
3 month IRA Certificate of Deposit (CD)	0.50%	0.50%	3 months
Min Deposit $500 Min Balance $10 Details Term: 3 - Less than 4 Year Statement Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
24 month IRA Certificate of Deposit (CD)	0.40%	0.40%	24 months
Min Deposit $500 Min Balance $10 Details Term: 24-35 Month Statement Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
12 month IRA Certificate of Deposit (CD)	0.35%	0.35%	12 months
Min Deposit $500 Min Balance $10 Details Term: 12-23 Month Statement Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
6 Month Certificate of Deposit (CD)	0.20%	0.20%	6 Months
Min Deposit $500 Min Balance $10 Details Term: 6 Months - Less than 1 Year Statement Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
6 Month IRA Certificate of Deposit (CD)	0.20%	0.20%	6 Months
Min Deposit $500 Min Balance $10 Details Term: 6 Months - Less than 1 Year Statement Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%

BayCoast Bank Savings Rates

Product	Rate	APY
IRA Statement Savings	0.10%	0.10%
Min Deposit $10 Min Balance $10 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Savings Club	0.10%	0.10%
Min Deposit $5 Min Balance $10 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Statement Savings	0.10%	0.10%
Min Deposit $10 Min Balance $10 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%

BayCoast Bank Money Market Rates

Product	Rate	APY
Business Money Market Access	0.20%	0.20%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Business Money Market Access	0.20%	0.20%
Min Balance $250,000 Details Balance: $250,000.00 and over Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Consumer Money Market	0.20%	0.20%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Consumer Money Market	0.20%	0.20%
Min Balance $250,000 Details Balance: $250,000.00 and over Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Business Money Market Access	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Consumer Money Market	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Business Money Market Access	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Business Money Market Access	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Consumer Money Market	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Consumer Money Market	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%

BayCoast Bank Checking Rates

Product	Rate	APY
Active Checking	-	0.15%
Min Deposit $500 Min Balance $0 Details Qualifications Required: Receive at least one posted direct deposit, make at least one posted electronic payment or make at least one posted online bill payment; make 12 posted debit card purchases; receive statement electronically using online banking; APY is paid on balances between $0.01 and $25,000. A range from 0.15% APY to 0.10% APY is paid on all amounts above $25,000. If minimum qualifications are not met, 0.05% APY will be paid on the entire balance. ATM surcharge refunds up to $25.00 per qualification period if qualifications are met. Satisfaction of all qualification requirements during a qualification period or an average daily balance of $1,500.00 for the statement cycle waives the $10.00 monthly maintenance service charge. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Active Checking - Qualified Rate	0.15%	0.15%
Min Deposit $500 Min Balance $0 Details Balance: Portion in Excess of $25,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Preferred Checking	0.10%	0.10%
Min Deposit $10 Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Active Checking - Base Rate	0.05%	0.05%
Min Deposit $500 Min Balance $0 Details Balance: Portion in Excess of $25,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%

BayCoast Bank Auto Loan Rates

Product	Rate	Points	APR	Term
New Only Auto Loan	7.25%	-	7.25%	36 months
Details Down Payment: 5% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
New Only Auto Loan	7.50%	-	7.50%	48 months
Details Down Payment: 5% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Used Only Auto Loan	7.50%	-	7.50%	36 months
Details Down Payment: 10% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
New Only Auto Loan	7.75%	-	7.75%	60 months
Details Down Payment: 5% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Used Only Auto Loan	7.75%	-	7.75%	48 months
Details Down Payment: 10% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
New Only Auto Loan	8.00%	-	8.00%	72 months
Details Down Payment: 5% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Used Only Auto Loan	8.00%	-	8.00%	60 months
Details Down Payment: 10% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%

BayCoast Bank RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat Loans	9.00%	9.00%	60 months
Details Down Payment: 25%; Loan Amount: $2,500.00 - $10,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Boat Loans	10.00%	10.00%	180 months
Details Down Payment: 25%; Loan Amount: $10,001.00 - $50,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%

BayCoast Bank Personal Loan Rates

Product	APR	Term	View More
Personal Loan	14.24%	36 months
Details Down Payment: 0% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%

BayCoast Bank Other Rates

Product	Rate	Points	APY/APR	Term
Energy Smart Home Improvement Loan	9.25%	-	9.25%	120 months
Details Down Payment: 0% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Home Improvement Loan	9.50%	-	9.50%	84 months
Details Down Payment: 0% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%

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

BayCoast Bank’s Texas Ratio rose from 1.32% in Q3 2023 to 12.75% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$2.9B	12.75%	5.0	A
March 31, 2026	$2.9B	13.52%	5.0	A
December 31, 2025	$2.8B	10.60%	5.0	A
September 30, 2025	$2.9B	2.55%	5.0	A+
June 30, 2025	$3.0B	2.58%	5.0	A+
March 31, 2025	$3.0B	2.36%	5.0	A+
December 31, 2024	$2.9B	2.16%	5.0	A+
September 30, 2024	$3.0B	1.55%	5.0	A+
June 30, 2024	$3.0B	1.94%	5.0	A+
March 31, 2024	$2.9B	1.71%	5.0	A+
December 31, 2023	$2.9B	1.74%	5.0	A+
September 30, 2023	$2.9B	1.32%	5.0	A+

Source: FDIC 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 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 18511115

FDIC Insurance Date 19850618

Domestic Offices 25

Total Branches 26

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

12.75%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.5090%

Return on Equity (ROE) 5.6500%

Non-Performing Loans (NPL) 1.15%

Total Assets $2,863,572,000

Total Deposits $2,464,346,000

Equity Capital $257,794,000

Net Income $7,293,000

Headquarters Swansea

Total Branches and Offices 25

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

BayCoast Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/baycoast-bank-rates-review-90196">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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

Customer Reviews

There are no reviews for BayCoast Bank yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for BayCoast Bank

Frequently Asked Questions About BayCoast Bank

How many branches does BayCoast Bank operate?

BayCoast Bank currently maintains approximately 26 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.

Current BayCoast Bank Rates

12-Month CD0.35%
24-Month CD0.40%
60-Month CD0.70%
Savings0.10%
MMA0.10%

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

Compare to Other Banks

FNB of Cokato The Citizens Bank of Edina Glennville Bank Golden Valley Bank First Federal Savings Bank Huntington, IN Phenix-Girard Bank Ennis State Bank Icbb Leader Bank VirtualBank FirstBank Antlers, OK Bath State Bank Mission Bank Kingman, AZ Town & Country Bank Ravenna, NE Community Federal Savings Bank CNB of Somerset Blue Grass Federal SLA Eaglemark Savings Bank Locality Bank International Bank of Commerce The Citizens Bank Olanta, SC