BayVanguard Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

Today's 12-month CD rates can be found at 3.03%, 6-month CD rates at 3.04% and 3-month CD rates at 0.50%. Current savings rates are at 1.15% and money market rates are at 0.10%. Mortgage rates today on 30-year fixed loans are around 6.89%. Credit Card rates are at 11.90%. Personal Loan rates are at 10.00%. All these rates, and more, can be found in our database of rates. BayVanguard Bank's 60-Month CD rates are at 2.53%, 48-Month CD rates are at 2.02%, 36-Month CD rates are at 2.02%, 12-Month CD rates are at 1.51%, 24-Month CD rates are at 1.51%. BayVanguard Bank's savings rates are at 0.05%. BayVanguard Bank's money market rates are at 0.84%.

BayVanguard Bank

To see how these rates compare to BayVanguard Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from BayVanguard Bank, 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 BayVanguard Bank CD rates. You can also compare BayVanguard Bank savings rates, MMA rates and mortgage rates using our other rate lists.

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 Texas Ratio

BayVanguard Bank's Texas Ratio is at 2.68%, which is considered excellent. The Texas Ratio for BayVanguard Bank is lower 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, BayVanguard Bank is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate

APY/APR

vs Avg

12-Month CD

1.51%

2.53%

18-Month CD

N/A

2.27%

24-Month CD

1.51%

2.26%

36-Month CD

2.02%

2.20%

48-Month CD

2.02%

2.14%

60-Month CD

2.53%

2.27%

Savings

0.05%

0.65%

MMA

0.84%

0.95%

30-Year Fixed

N/A

6.76%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

BayVanguard Bank

7114 N Point Rd
Baltimore, MD 21219

https://www.bayvanguard.com

MonitorBankRates' Rating

5/5

★★★★★

Review BayVanguard Bank

BayVanguard Bank CD Rates and Interest Rates

BayVanguard Bank

60-Month CD

2.53%

$1,000

BayVanguard Bank

36-Month CD

2.02%

$1,000

BayVanguard Bank

48-Month CD

2.02%

$1,000

BayVanguard Bank

12-Month CD

1.51%

$1,000

BayVanguard Bank

24-Month CD

1.51%

$1,000

BayVanguard Bank

Premier Money Market

0.84%

$10,000

BayVanguard Bank

Interest Checking

0.05%

$100

BayVanguard Bank

Business Interest Checking

0.05%

$5,000

BayVanguard Bank

Statement Savings

0.05%

$50

Disclaimer

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.

Compare BayVanguard Bank Rates with Other Competitive Bank and Credit Union Rates

Jovia Federal Credit Union

Go Green Checking

5.00%

Merrick Bank

18-Month CD

4.05%

$25,000

Hyperion Bank

18-Month CD

3.75%

$500

First Bank Hampton

60-Month CD (Jumbo)

3.65%

$100,000

Farm Bureau Bank FSB

18-Month CD

3.60%

$1,000

EverBank

30-Month CD

3.50%

$1,000

Concordia Bank & Trust Company

24-Month CD

3.44%

$1,000

Kish Bank

60-Month CD

3.35%

$2,000

DCU Digital Federal Credit Union

24-Month CD

3.25%

$500

1st United Credit Union

12-Month CD

3.25%

$250

First Federal Bank Littlefield, Texas

24-Month CD (Super Jumbo)

3.14%

$225,000

Citi

12-Month CD

3.00%

$500

Heritage Bank Minnesota

60-Month CD

2.78%

$250

Unison Bank

24-Month CD

2.50%

$2,500

Harleysville Bank

18-Month CD

2.47%

$500

ConnectOne Bank

Connect Money Market

2.40%

First Bank Burkburnett, TX

24-Month CD

2.37%

$1,000

Bank of Brenham

60-Month CD

2.25%

$1,000

Van Wert Federal Savings Bank

48-Month CD

2.17%

$1,000

Maries County Bank

15-Month CD

2.02%

$1,000

Silver Lake Bank

48-Month CD

2.02%

$500

Exchange State Bank Ames, IA

6-Month CD

2.00%

$1,000

SaviBank

48-Month CD

2.00%

$500

Westmoreland Federal S&L

36-Month CD

1.50%

$500

Gainey Business Bank

Money Market

1.36%

$1,500

America First Federal Credit Union

Money Market

1.30%

$10,000

Republic Bank of Chicago

24-Month CD

1.25%

$1,000

FNB in Taylorville

60-Month CD

1.11%

$1,000

Union State Bank Pell City, AL

Money Market

1.00%

$20,000

Katahdin Trust Company

18-Month CD

0.85%

$500

Mercer Savings Bank

60-Month CD

0.55%

$100

Home Loan SB

36-Month CD

0.55%

$500

First Community Bank Beemer, NE

Insured Money Market

0.50%

$100

The Honesdale National Bank

12-Month CD

0.50%

$1,000

Farmers State Bank of Alto Pass, Ill.

24-Month CD

0.40%

$1,000

Eagle Bank Everett, MA

18-Month CD

0.35%

$500

Norway Savings Bank

18-Month CD

0.30%

$500

Citizens Federal S&L Assoc

Demand Money Market

0.25%

$2,500

Gorham Savings Bank

Champion Money Market

0.25%

Home Loan State Bank

Savings

0.25%

$100

Adirondack Bank

24-Month CD

0.25%

$1,000

Bank of Easton

3-Month CD

0.25%

$2,500

PeoplesBank

24-Month CD

0.20%

$1,000

NVE Bank

36-Month CD

0.19%

$1,000

Cleveland State Bank

Savings

0.10%

$100

Gateway Commercial Bank

Advantage Checking

0.10%

$50

Ponce Bank

Money Market

0.10%

First FSB of Champaign Urbana

3-Month CD

0.05%

$1,000

Vinton County Bank

Personal Savings

0.05%

$100

Embassy Bank for the Lehigh Valley

Diplomat Gold Money Market

0.02%

Disclaimer

Mortgage Rates May 20, 2025

1st Northern California Credit Union

7-Year Fixed

3.990%

4.357%

0.750

1st Northern California Credit Union

10-Year Fixed

4.250%

4.514%

0.750

1st Northern California Credit Union

15-Year Fixed

4.500%

4.685%

0.750

M&T Bank

5-Year ARM Jumbo

5.250%

4.753%

0.000

Americas First Federal Credit Union

15-Year Fixed

5.560%

5.250%

0.000

Catskill Hudson Bank

15-Year Fixed

5.250%

5.385%

0.750

Lakewood Credit Union

15 Year Fixed

5.300%

5.390%

0.000

Pioneer Federal Credit Union

15-Year Fixed

5.250%

5.491%

0.000

Savings Bank of Danbury

5/1 ARM

4.750%

5.507%

0.000

Pittsford Federal Credit Union

15-Year Fixed

5.375%

5.507%

0.000

State Employees Credit Union

10-Year Fixed

5.300%

5.518%

0.000

North Carolina Press Association Federal Credit Union

10 Year Fixed

5.300%

5.518%

0.000

1st Northern California Credit Union

15-Year Fixed (Jumbo)

5.375%

5.525%

0.750

Savings Bank of Danbury

7/1 ARM

5.000%

5.531%

0.000

DCU Digital Federal Credit Union

10-Year Fixed

5.250%

5.545%

1.000

Pittsford Federal Credit Union

10-Year Fixed

5.375%

5.563%

0.000

First FSB of Champaign Urbana

10-Year Fixed

5.500%

5.569%

0.000

Mutual Security Credit Union

5/1 ARM

5.500%

5.614%

0.000

Hatboro Federal Savings

15-Year Fixed

5.250%

5.629%

2.000

Piedmont Advantage Credit Union

15-Year Fixed

5.375%

5.633%

0.000

Abound Federal Credit Union

15-Year Fixed Jumbo

5.625%

5.651%

0.000

State Employees Credit Union

15-Year Fixed

5.500%

5.654%

0.000

North Carolina Press Association Federal Credit Union

15 Year Fixed

5.500%

5.654%

0.000

Nuvision Federal Credit Union

15-Year Fixed

5.375%

5.677%

1.125

Sikorsky Credit Union

15-Year Fixed

5.625%

5.681%

0.000

Disclaimer

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.

BayVanguard Bank Information

BayVanguard Bank

7114 N Point Rd
Baltimore, MD 21219
Baltimore
Established Date: 09/01/1873
FDIC Certificate #: 32527
Date of FDIC Deposit Insurance: 08/09/1989

Bank Holding Company: BV FINANCIAL INC

How Many Domestic U.S. Offices? 15

How Many Branches are There? 14

Website: https://www.bayvanguard.com

Is BayVanguard Bank FDIC Insured? Yes

What is BayVanguard Bank's Cert number? 32527

What is the maximum amount for insured deposits? $250,000 per holder, per account

BayVanguard Bank Financials

Total Assets:

$883,699,000

Total Deposits:

$687,041,000

Equity Capital:

$178,809,000

Domestic Deposits:

$687,041,000

Net Income:

$3,330,000

Return on Assets:

1.8168%

Quarterly Return on Assets:

1.5100%

Pretax Return on Assets:

2.0712%

Pretax Quarterly Return on Assets:

2.0700%

Return on Equity:

11.6500%

Quarterly Return on Equity:

7.5200%

Common Equity Tier 1 Capital Ratio:

23.6290%

Tier 1 Risk-Based Capital Ratio:

23.6290%

Leverage Tier 1 (Core Capital) Ratio:

17.4004%

Total Risk-Based Capital Ratio (YTD):

24.8601%

Total Interest Income (YTD):

5.3027%

Headquarters:

Baltimore

FDIC Field Office:

Baltimore

Regulator:

FDIC

County:

Baltimore

# of Offices:

Metropolitan Statistical Area (MSA):

Baltimore-Columbia-Towson, MD

Consolidated Metropolitan Statistical Area (CMSA):

Washington-Baltimore, DC-MD-VA-WV

OTS Region:

Southeast

FDIC Region:

New York

Source: FDIC Last Updated 03/31/2024

Explore Other Rate Deals

Average CD Rates and Best CD Rates This Week

This week didn't bring any real changes in average CD rates or the best CD rates available. Current 12 month bank CD rates are averaging 0.71 percent which is higher from the previous week's average of 0.69 percent. As long as the economy is trudging along and the Fed keeps interest rates at record lows there won't be any big moves in average CD rates higher or lower.

Mortgage Rates Continue to Decline: 30 Year Mortgage Rates at 4.75%

Mortgage rates continued to decline this week. Mortgage rates have been driven lower because of the weak employment report last week and the sovereign government debt crisis in Europe. Investors have flocked to the safety of bonds and as a result have driven bond yield lower. Mortgage rates are tied to bond yields and have also gone lower. 30 year mortgage rates hit a low of 4.75 percent this morning, down from a rate of 4.85 percent earlier this week.

Mortgage Rates Rise After Week of Wild Swings: 30 Year Mortgage Rates at 4.27%