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Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 BayVanguard Bank Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 28, 2026
BayVanguard Bank's 60-Month rates are at 2.53%, 25 - 42-Month rates are at 2.02%, 36-Month (Bump-Up) rates are at 2.02%, 43 - 59-Month rates are at 2.02%, 13 - 24-Month rates are at 1.51%. BayVanguard Bank's savings rates are at 0.00%. MonitorBankRates evaluates the financial stability of BayVanguard Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.54%. Rates last updated and verified on 08/28/2026. BayVanguard 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 BayVanguard Bank? Share your experience about BayVanguard Bank by leaving a review below, or read customer reviews before you decide to use BayVanguard Bank. 
BayVanguard Bank CD Rates
BayVanguard Bank Savings Rates
BayVanguard Bank Money Market Rates
BayVanguard Bank Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for BayVanguard 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 BayVanguard 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 BayVanguard Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
BayVanguard Bank
Bank Holding Company
BV FINANCIAL INC
Address
7114 N Point Rd,
Baltimore, MD 21219 · Baltimore
Website
https://www.bayvanguard.com
FDIC Certificate #
32527
Established
09/01/1873
FDIC Insurance Date
08/09/1989
Domestic Offices
12
Total Branches
12
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 99/100
5.0
Exceptional
Out of 5.0 Stars
2.54%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.8168%
Return on Equity (ROE)
11.6500%
Non-Performing Loans (NPL)
0.42%
Total Assets
$903,014,000
Total Deposits
$689,285,000
Equity Capital
$160,152,000
Net Income
$14,585,000
Headquarters
Baltimore
Total Branches and Offices
12
Source: FDIC | Last Updated 12/31/2025
Customer ReviewsMMVd
December 17, 2025
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Frequently Asked Questions About BayVanguard BankHow many branches does BayVanguard Bank operate?BayVanguard Bank currently maintains approximately 12 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, BayVanguard 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, BayVanguard Bank provides members with tools to manage their accounts and build a solid financial history. Does BayVanguard Bank offer online and mobile banking?Most modern institutions like BayVanguard 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.bayvanguard.com. Current BayVanguard Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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