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BayPort Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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: October 29, 2026
BayPort Credit Union's 13 Month CD - Premier / Select Relationship rates are at 4.25%, 19 Month CD - Premier / Select Relationship rates are at 4.25%, 59 Month CD - Premier / Select Relationship rates are at 4.25%, 13 Month CD - Preferred Relationship rates are at 4.20%, 19 Month CD - Preferred Relationship rates are at 4.20%. BayPort Credit Union's savings rates are at 5.00%. BayPort Credit Union's money market rates are at 3.00%. BayPort Credit Union's checking rates are as high as 5.00%. BayPort Credit Union's Adjustable Rate Mortgage - Conventional Loans rates are at 6.00%, Retire My Mortgage (RMM) rates are at 6.25%, Conventional Loans rates are at 6.12%, FHA Loan rates are at 6.75%, Fixed Rate Mortgages - VA Loan rates are at 6.99%. BayPort Credit Union's Personal Loan Rates are as low as 12.49%. BayPort Credit Union's Credit Card Rates are at 11.74%. BayPort Credit Union's CD rates are 17% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of BayPort Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.37%. Rates last updated and verified on 10/29/2026.
BayPort Credit Union 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 BayPort Credit Union? Share your experience about BayPort Credit Union by leaving a review below, or read customer reviews before you decide to use BayPort Credit Union.
BayPort Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
BayPort Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
4.37%
ExcellentLower than avg
BayPort Credit Union Texas Ratio
BayPort Credit Union's Texas Ratio is 4.37%, which is considered excellent and is lower than the national average of 6.13%.
BayPort Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
5.01% to 4.37% over 4 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2025. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
BayPort Credit Union CD Rates
Product
Rate
APY
Term
View More
13 Month Share Certificate - Premier / Select Relationship
4.17%
4.25%
13-month
Min Balance$2,500
DetailsSpecial; Relationship: Premier / Select Relationship
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
19 Month Share Certificate - Premier / Select Relationship
4.17%
4.25%
19-month
Min Balance$2,500
DetailsSpecial; Relationship: Premier / Select Relationship
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
59 Month Share Certificate - Premier / Select Relationship
4.17%
4.25%
59-month
Min Balance$2,500
DetailsSpecial; Relationship: Premier / Select Relationship
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Share Certificate - Premier / Select 13-month Special
4.17%
4.25%
13-month
Min Balance$1,000
DetailsRelationship: Premier / Select Relationship; Special rate
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Share Certificate - Premier / Select 19-month Special
4.17%
4.25%
19-month
Min Balance$1,000
DetailsRelationship: Premier / Select Relationship; Special rate
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Share Certificate - Premier / Select 59-month Special
4.17%
4.25%
59-month
Min Balance$1,000
DetailsRelationship: Premier / Select Relationship; Special rate
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 2 times
No change since Oct 26, 2026 · 1.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
91 Day Share Certificate - Premier / Select Relationship
1.35%
1.36%
91-day
Min Balance$1,000
DetailsRelationship: Premier / Select Relationship
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 1.36% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
91 Day Share Certificate - Preferred Relationship
1.30%
1.31%
91-day
Min Balance$1,000
DetailsRelationship: Preferred Relationship
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 1.31% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
6 Month Share Certificate - Regular
1.24%
1.25%
6-month
Min Balance$1,000
DetailsRelationship: Regular
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 1.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
91 Day Share Certificate - Regular
1.05%
1.05%
91-day
Min Balance$1,000
DetailsRelationship: Regular
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 1.05% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
BayPort Credit Union Savings Rates
Product
Rate
APY
View More
Fast Start Savings
4.91%
5.00%
Min Deposit$5
Min Balance$0
DetailsBalance: $0.00 - $500.00; Must be under 25 years of age; minimum monthly deposits of at least $10 required to earn dividend rate/APY
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 5.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Fast Start Savings
2.97%
3.00%
Min Deposit$5
Min Balance$500
DetailsBalance: $500.01 - $1,999.99; Must be under 25 years of age; minimum monthly deposits of at least $10 required to earn dividend rate/APY
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 3.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
IRA Savings
0.25%
0.25%
Min Deposit$100
Min Balance$100
DetailsBalance: $100.00 and over
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Christmas & Vacation Club
0.15%
0.15%
Min Balance$2,000
DetailsBalance: $2,000.00 and over
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.15% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Fast Start Savings
0.15%
0.15%
Min Deposit$5
Min Balance$2,000
DetailsBalance: $2,000.00 and over; Must be under 25 years of age; minimum monthly deposits of at least $10 required to earn dividend rate/APY
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.15% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Savings
0.15%
0.15%
Min Deposit$5
Min Balance$2,000
DetailsBalance: $2,000.00 and over
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.15% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Christmas & Vacation Club
0.05%
0.05%
Min Balance$100
DetailsBalance: $100.00 - $1,999.99
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Savings
0.05%
0.05%
Min Deposit$5
Min Balance$100
DetailsBalance: $100.00 - $1,999.99
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Christmas & Vacation Club
0.00%
0.00%
Min Balance$0
DetailsBalance: $0.00 - $99.99
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Savings
0.00%
0.00%
Min Deposit$5
Min Balance$0
DetailsBalance: $0.00 - $99.99
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
BayPort Credit Union Money Market Rates
Product
Rate
APY
View More
Pinnacle Money Market
2.96%
3.00%
Min Deposit$2,500
Min Balance$1,000,000
DetailsBalance: $1,000,000+
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 3.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Pinnacle Money Market
2.76%
2.80%
Min Deposit$2,500
Min Balance$500,000
DetailsBalance: $500,000-999,999.99
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 2.80% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Pinnacle Money Market
2.28%
2.30%
Min Deposit$2,500
Min Balance$250,000
DetailsBalance: $250,000-499,999.99
Last Updated10/29/2026
Rate History
1 change since Sep 30, 2026 · 1.90% → 2.30% ▲ 0.40 pts · high 2.30% / low 1.90%
Oct 29, 20262.30%▲ from 1.90%
Sep 30, 20261.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Pinnacle Money Market
1.98%
2.00%
Min Deposit$2,500
Min Balance$100,000
DetailsBalance: $100,000-249,999.99
Last Updated10/29/2026
Rate History
1 change since Sep 30, 2026 · 1.55% → 2.00% ▲ 0.45 pts · high 2.00% / low 1.55%
Oct 29, 20262.00%▲ from 1.55%
Sep 30, 20261.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Pinnacle Money Market
1.69%
1.70%
Min Deposit$2,500
Min Balance$50,000
DetailsBalance: $50,000-99,999.99
Last Updated10/29/2026
Rate History
1 change since Sep 30, 2026 · 1.40% → 1.70% ▲ 0.30 pts · high 1.70% / low 1.40%
Oct 29, 20261.70%▲ from 1.40%
Sep 30, 20261.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Pinnacle Money Market
1.49%
1.50%
Min Deposit$2,500
Min Balance$25,000
DetailsBalance: $25,000-49,999.99
Last Updated10/29/2026
Rate History
1 change since Sep 30, 2026 · 1.30% → 1.50% ▲ 0.20 pts · high 1.50% / low 1.30%
Oct 29, 20261.50%▲ from 1.30%
Sep 30, 20261.30%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Pinnacle Money Market
0.50%
0.50%
Min Deposit$2,500
Min Balance$2,500
DetailsBalance: $2,500-9,999.99
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Pinnacle Money Market
0.50%
0.50%
Min Deposit$2,500
Min Balance$10,000
DetailsBalance: $10,000-24,999.99
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Money Market
0.25%
0.25%
Min Deposit$25
Min Balance$25,000
DetailsBalance: $25,000-49,999.99
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Money Market
0.25%
0.25%
Min Deposit$25
Min Balance$50,000
DetailsBalance: $50,000+
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Money Market
0.20%
0.20%
Min Deposit$25
Min Balance$2,500
DetailsBalance: $2,500-9,999.99
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.20% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Money Market
0.20%
0.20%
Min Deposit$25
Min Balance$10,000
DetailsBalance: $10,000-24,999.99
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.20% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Money Market
0.00%
0.00%
Min Deposit$25
Min Balance$0
DetailsBalance: $0-2,499.99
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.20% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Pinnacle Money Market
0.00%
0.00%
Min Deposit$2,500
Min Balance$0
DetailsBalance: $0-2,499.99
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
BayPort Credit Union Checking Rates
Product
Rate
APY
View More
High Yield Checking
4.89%
5.00%
Min Deposit$25
Min Balance$0
DetailsQualifications Required; Balance: $0-15,000; Qualifying balance up to $15,000.00
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 5.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
High Yield Checking
-
5.00%
DetailsQualifications Required; Qualifying balance up to $15,000; Earn 70x the national average rate; Nationwide ATM fee refunds up to $15/month; Use promo code $GAINS
Last Updated10/29/2026
Rate History
No change since Oct 14, 2026 · 5.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Free Classic Checking
0.05%
0.05%
Min Deposit$25
Min Balance$1,000
DetailsBalance: $1,000 and over
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Free Classic Checking
0.00%
0.00%
Min Deposit$25
Min Balance$0
DetailsBalance: $0-499.99
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Free Classic Checking
0.00%
0.00%
Min Deposit$25
Min Balance$500
DetailsBalance: $500-999.99
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Rewards, Teen Rewards, and College & Career Rewards Checking
1 change since Sep 30, 2026 · 13.49% → 13.74% ▲ 0.25 pts · high 13.74% / low 13.49%
Oct 1, 202613.74%▲ from 13.49%
Sep 30, 202613.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
BayPort Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loan
12.49%
up to 72 months
DetailsPublished APR range: 12.49% to 17.99%. Daily Periodic Rate: 0.0383% to 0.0493%
Last Updated10/29/2026
Rate History
1 change since Sep 30, 2026 · 12.24% → 12.49% ▲ 0.25 pts · high 12.49% / low 12.24%
Oct 19, 202612.49%▲ from 12.24%
Sep 30, 202612.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
BayPort Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Adjustable Rate Mortgage - New Construction / Permanent Loans
6.50%
-
6.665%
30 years
DetailsTerm: 30 years (3-year ARM); Origination Fee: $995; 95% LTV* Rate; Margin: 2.75%; Type: New Construction / Permanent Loans; Max LTV 85%
Last Updated10/29/2026
Rate History
2 changes since Oct 14, 2026 · 6.66% → 6.67% ▲ 0.00 pts · high 6.67% / low 6.66%
Oct 29, 20266.67%▼ from 6.67%
Oct 26, 20266.67%▲ from 6.66%
Oct 14, 20266.66%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Adjustable Rate Mortgage - New Construction / Permanent Loans
6.25%
-
6.462%
20 years
DetailsTerm: 20 years (3-year ARM); Origination Fee: $995; 95% LTV* Rate; Margin: 2.50%; Type: New Construction / Permanent Loans; Max LTV 85%
Last Updated10/29/2026
Rate History
2 changes since Oct 14, 2026 · 6.46% → 6.46% ▲ 0.00 pts · high 6.46% / low 6.46%
Oct 29, 20266.46%▼ from 6.46%
Oct 26, 20266.46%▲ from 6.46%
Oct 14, 20266.46%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Adjustable Rate Mortgage - New Construction / Permanent Loans
6.00%
-
6.26%
15 years
DetailsTerm: 15 years (3-year ARM); Origination Fee: $995; 95% LTV* Rate; Margin: 2.25%; Type: New Construction / Permanent Loans; Max LTV 85%
Last Updated10/29/2026
Rate History
2 changes since Oct 14, 2026 · 6.26% → 6.26% ▼ 0.00 pts · high 6.26% / low 6.26%
Oct 29, 20266.26%▼ from 6.26%
Oct 26, 20266.26%▼ from 6.26%
Oct 14, 20266.26%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Adjustable Rate Mortgage - New Construction / Permanent Loans
6.00%
-
6.368%
10 years
DetailsTerm: 10 years (3-year ARM); Origination Fee: $995; 95% LTV* Rate; Margin: 2.25%; Type: New Construction / Permanent Loans; Max LTV 85%
Last Updated10/29/2026
Rate History
2 changes since Oct 14, 2026 · 6.37% → 6.37% ▼ 0.00 pts · high 6.37% / low 6.37%
Oct 29, 20266.37%▼ from 6.37%
Oct 26, 20266.37%▼ from 6.37%
Oct 14, 20266.37%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Adjustable Rate Mortgage - New Construction / Permanent Loans
6.625%
-
6.792%
30 years
DetailsTerm: 30 years (5-year ARM); Origination Fee: $995; 95% LTV* Rate; Margin: 2.75%; Type: New Construction / Permanent Loans; Max LTV 85%
Last Updated10/29/2026
Rate History
2 changes since Oct 14, 2026 · 6.79% → 6.79% ▲ 0.00 pts · high 6.79% / low 6.79%
Oct 29, 20266.79%▼ from 6.79%
Oct 26, 20266.79%▲ from 6.79%
Oct 14, 20266.79%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Adjustable Rate Mortgage - New Construction / Permanent Loans
6.75%
-
6.919%
30 years
DetailsTerm: 30 years (10-year ARM); Origination Fee: $995; 95% LTV* Rate; Margin: 2.75%; Type: New Construction / Permanent Loans; Max LTV 85%
Last Updated10/29/2026
Rate History
2 changes since Oct 14, 2026 · 6.92% → 6.92% ▼ 0.00 pts · high 6.92% / low 6.92%
Oct 29, 20266.92%▼ from 6.92%
Oct 26, 20266.92%▼ from 6.92%
Oct 14, 20266.92%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
FlexLine Line of Credit
-
-
13.99%
DetailsPublished APR range: 13.99% to 17.99%. Daily Periodic Rate: 0.0383% to 0.0493%
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 13.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Mobile Home Loan - Double-Wide
7.625%
-
7.827%
20 years
DetailsTerm: 20 years (3-year ARM); Origination Fee: $995; Margin: 2.50%; Maximum 85% LTV; Mobile homes must be on a permanent foundation
Last Updated10/29/2026
Rate History
1 change since Oct 26, 2026 · 7.83% → 7.83% ▼ 0.00 pts · high 7.83% / low 7.83%
Oct 29, 20267.83%▼ from 7.83%
Oct 26, 20267.83%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Mobile Home Loan - Double-Wide
7.50%
-
7.748%
15 years
DetailsTerm: 15 years (3-year ARM); Origination Fee: $995; Margin: 2.25%; Maximum 85% LTV; Mobile homes must be on a permanent foundation
Last Updated10/29/2026
Rate History
1 change since Oct 26, 2026 · 7.75% → 7.75% ▼ 0.00 pts · high 7.75% / low 7.75%
Oct 29, 20267.75%▼ from 7.75%
Oct 26, 20267.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Mobile Home Loan - Double-Wide
7.50%
-
7.845%
10 years
DetailsTerm: 10 years (3-year ARM); Origination Fee: $995; Margin: 2.25%; Maximum 85% LTV; Mobile homes must be on a permanent foundation
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.85% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Mobile Home Loan - Single-Wide
7.75%
-
8.003%
15 years
DetailsTerm: 15 years (3-year ARM); Origination Fee: $995; Margin: 2.25%; Maximum 75% LTV; Mobile homes must be on a permanent foundation
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 8.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Mobile Home Loan - Single-Wide
7.75%
-
8.102%
10 years
DetailsTerm: 10 years (3-year ARM); Origination Fee: $995; Margin: 2.25%; Maximum 75% LTV; Mobile homes must be on a permanent foundation
Last Updated10/29/2026
Rate History
1 change since Oct 26, 2026 · 8.10% → 8.10% ▼ 0.00 pts · high 8.10% / low 8.10%
Oct 29, 20268.10%▼ from 8.10%
Oct 26, 20268.10%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Unimproved Property Loan
9.375%
-
9.771%
10 years
DetailsTerm: 10 years (3-year ARM); Origination Fee: $995; Margin: 3.50%; Maximum 85% LTV
Last Updated10/29/2026
Rate History
2 changes since Sep 30, 2026 · 9.51% → 9.77% ▲ 0.26 pts · high 9.77% / low 9.51%
Oct 19, 20269.77%▲ from 9.77%
Oct 6, 20269.77%▲ from 9.51%
Sep 30, 20269.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Unimproved Property Loan
9.625%
-
10.028%
10 years (Fixed)
DetailsOrigination Fee: $995; Maximum 85% LTV
Last Updated10/29/2026
Rate History
2 changes since Sep 30, 2026 · 9.51% → 10.03% ▲ 0.52 pts · high 10.03% / low 9.51%
Oct 19, 202610.03%▼ from 10.03%
Oct 6, 202610.03%▲ from 9.51%
Sep 30, 20269.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Unimproved Property Loan
8.125%
-
8.386%
15 years
DetailsTerm: 15 years (2-year Balloon); Origination Fee: $995; Maximum 85% LTV
Last Updated10/29/2026
Rate History
4 changes since Sep 30, 2026 · 8.51% → 8.39% ▼ 0.12 pts · high 8.51% / low 8.39%
Oct 29, 20268.39%▼ from 8.39%
Oct 26, 20268.39%▼ from 8.39%
Oct 19, 20268.39%▼ from 8.39%
Oct 6, 20268.39%▼ from 8.51%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Unimproved Property Loan
8.375%
-
8.642%
15 years
DetailsTerm: 15 years (3-year Balloon); Origination Fee: $995; Maximum 85% LTV
Last Updated10/29/2026
Rate History
4 changes since Sep 30, 2026 · 8.51% → 8.64% ▲ 0.13 pts · high 8.64% / low 8.51%
Oct 29, 20268.64%▼ from 8.64%
Oct 26, 20268.64%▼ from 8.64%
Oct 19, 20268.64%▲ from 8.64%
Oct 6, 20268.64%▲ from 8.51%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Unimproved Property Loan
8.75%
-
9.025%
15 years
DetailsTerm: 15 years (5-year Balloon); Origination Fee: $995; Maximum 85% LTV
Last Updated10/29/2026
Rate History
4 changes since Sep 30, 2026 · 8.51% → 9.03% ▲ 0.52 pts · high 9.03% / low 8.51%
Oct 29, 20269.03%▼ from 9.03%
Oct 26, 20269.03%▼ from 9.03%
Oct 19, 20269.03%▼ from 9.03%
Oct 6, 20269.03%▲ from 8.51%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Unimproved Property Loan
9.875%
-
10.177%
15 years
DetailsTerm: 15 years (10-year Balloon); Origination Fee: $995; Maximum 85% LTV
Last Updated10/29/2026
Rate History
4 changes since Sep 30, 2026 · 9.66% → 10.18% ▲ 0.52 pts · high 10.18% / low 9.66%
Oct 29, 202610.18%▼ from 10.18%
Oct 26, 202610.18%▼ from 10.18%
Oct 19, 202610.18%▼ from 10.18%
Oct 6, 202610.18%▲ from 9.66%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Unimproved Property Loan
8.875%
-
9.103%
20 years
DetailsTerm: 20 years (5-year Balloon); Origination Fee: $995; Maximum 85% LTV
Last Updated10/29/2026
Rate History
2 changes since Sep 30, 2026 · 8.59% → 9.10% ▲ 0.51 pts · high 9.10% / low 8.59%
Oct 19, 20269.10%▲ from 9.10%
Oct 6, 20269.10%▲ from 8.59%
Sep 30, 20268.59%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Unimproved Property Loan
9.125%
-
9.312%
30 years
DetailsTerm: 30 years (5-year Balloon); Origination Fee: $995; Maximum 85% LTV
Last Updated10/29/2026
Rate History
4 changes since Sep 30, 2026 · 8.80% → 9.31% ▲ 0.51 pts · high 9.31% / low 8.80%
Oct 29, 20269.31%▼ from 9.31%
Oct 26, 20269.31%▼ from 9.31%
Oct 19, 20269.31%▲ from 9.31%
Oct 6, 20269.31%▲ from 8.80%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Financial Health History
BayPort Credit Union’s Texas Ratio fell from 5.01% in Q3 2025 to 4.37% in Q2 2026, so its financial health has stayed very strong over the past 4 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade
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
$2.8B
4.37%
5.0
A+
March 31, 2026
$2.8B
4.39%
5.0
A+
December 31, 2025
$2.7B
5.25%
5.0
A+
September 30, 2025
$2.7B
5.01%
5.0
A+
Source: NCUA 5300 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 BayPort Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather BayPort Credit Union 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 BayPort Credit Union's official website for the most current offers and terms.
Address
1 BayPort Way Ste 350,
Newport News, VA 23606-4571
Phone757-928-8850
Fax
PresidentMaureen Davis
CEOJames Mears
Full-Time Employees505
Part-Time Employees33
Branch Locations31
ATM Locations27
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.37%
Return on Assets (ROA)
0.5461%
Return on Equity (ROE)
4.8507%
Non-Performing Loans Ratio (NPL)
0.71%
Total Assets
2,780,782,512
Total Amount of Shares and Deposits
2,381,880,455
Total Shares and Deposits < 1 Year
2,274,165,095
Total Shares and Deposits 1 3 Years
80,141,083
Total Shares and Deposits > 3 Years
27,574,276
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
288,792,968
Total Uninsured Shares and Deposits > $250K (F+J)
288,792,968
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,093,087,487
Total Interest Expense (Sum of items 6 8)
21,227,903
Share Certificates
14,731
Number of Accounts for Share Drafts
101,480
IRA KEOGH Accounts
10,707
Number of Accounts for Regular Shares
192,417
Money Market Shares
11,959
Net Income (unless the amount is already included in Undivided Earnings)
15,186,693
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
33,125,415
Total Liabilities
2,476,053,696
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
BayPort Credit Union 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, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for BayPort Credit Union
Frequently Asked Questions About BayPort Credit Union
Does BayPort Credit Union offer CDs?
Yes. BayPort Credit Union current CD rates include its 13 Month CD - Premier / Select Relationship at 4.25% APY, its 19 Month CD - Premier / Select Relationship at 4.25% APY and its 59 Month CD - Premier / Select Relationship at 4.25% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from BayPort Credit Union NCUA insured?
Yes. BayPort Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at BayPort Credit Union?
The highest BayPort Credit Union CD rate is its 13 Month CD - Premier / Select Relationship at 4.25% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does BayPort Credit Union offer?
BayPort Credit Union CD rates are 1.90% APY for a 12 month CD, 4.25% APY for a 13 month CD, 1.90% APY for an 18 month CD, 4.25% APY for a 19 month CD, 1.90% APY for a 2 year CD, 4.25% APY for a 59 month CD and 1.90% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with BayPort Credit Union for its full lineup.
What is the highest savings rate at BayPort Credit Union?
The highest BayPort Credit Union savings rate is its Fast Start Savings at 5.00% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest money market rate at BayPort Credit Union?
The highest BayPort Credit Union money market rate is its Pinnacle Money Market at 3.00% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest checking rate at BayPort Credit Union?
The highest BayPort Credit Union checking rate is its High Yield Checking at 5.00% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest mortgage rate at BayPort Credit Union?
The lowest BayPort Credit Union mortgage rate is its Adjustable Rate Mortgage - Conventional Loans at 6.00%, verified by MonitorBankRates as of October 29, 2026.
What is the lowest auto loan rate at BayPort Credit Union?
The lowest BayPort Credit Union auto loan rate is its Vehicle Loan - New 2025+ Under 10,000 Miles at 4.99% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest personal loan rate at BayPort Credit Union?
The lowest BayPort Credit Union personal loan rate is its Personal Loan at 12.49% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest credit card APR at BayPort Credit Union?
The lowest BayPort Credit Union credit card APR is its Mastercard Platinum Preferred Credit Card at 11.74% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does BayPort Credit Union operate?
BayPort Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join BayPort Credit Union?
Yes, to access services at BayPort Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, BayPort Credit Union 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, BayPort Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does BayPort Credit Union offer online and mobile banking?
Most modern institutions like BayPort Credit Union 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.bayportcu.org.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do BayPort Credit Union rates compare?
BayPort Credit Union's CD rates are 17% higher than the MonitorBankRates national average, and it has an A+ health rating. BayPort Credit Union's top rates are its 13 Month CD - Premier / Select Relationship at 4.25% APY, its Fast Start Savings at 5.00% APY, its Pinnacle Money Market at 3.00% APY, its High Yield Checking at 5.00% APY, its Adjustable Rate Mortgage - Conventional Loans at 6.00%, its Personal Loan at 12.49% APR and its Mastercard Platinum Preferred Credit Card at 11.74% APR, verified by MonitorBankRates on October 29, 2026.
Current BayPort Credit Union Rates
12-Month CD1.90%
18-Month CD1.90%
24-Month CD1.90%
60-Month CD1.90%
Savings5.00%
MMA3.00%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
