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iAdvertiser Disclosure
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.
 Bay Cities Credit Union Rates & Review April 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: April 23, 2026
You can compare Bay Cities Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.83%, 6-month share certificate rates at 2.28% and 3-month share certificate rates at 0.66%. Savings rates are at 0.05% and money market rates are at 0.85%. Mortgage rates on 30-year fixed loans are around 5.78%. All these rates can be compared to Bay Cities Credit Union rates. MonitorBankRates evaluates the financial stability of Bay Cities Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.74%. Rates were last updated on 04/23/2026. Bay Cities 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 Bay Cities Credit Union? Share your experience about Bay Cities Credit Union by leaving a review below, or read customer reviews before you decide to use Bay Cities Credit Union. Bay Cities Credit Union
Bay Cities Credit Union 22777 Main St
https://www.baycities.org Hayward, CA 94541 5113 
Bay Cities Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Bay Cities 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 Bay Cities 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 Bay Cities Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Bay Cities Credit Union
Website
https://www.baycities.org
Address
22777 Main St,
Hayward, CA 94541 5113
Phone
510-690-6100
Fax
510-881-1929
President
Norman Weisbrod
CEO
Georgette Munoz
Full-Time Employees
15
Part-Time Employees
4
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.74%
Return on Assets (ROA)
1.1654%
Return on Equity (ROE)
9.8008%
Non-Performing Loans Ratio (NPL)
1.69%
Total Assets
77,694,162
Total Amount of Shares and Deposits
68,227,798
Total Shares and Deposits < 1 Year
67,662,600
Total Shares and Deposits 1 3 Years
565,198
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,984,553
Total Uninsured Shares and Deposits > $250K (F+J)
3,984,553
Total Insured Shares and Deposits > $250K (item 17 less item K)
64,243,245
Total Interest Expense (Sum of items 6 8)
95,903
Share Certificates
90
Number of Accounts for Share Drafts
2,133
IRA KEOGH Accounts
86
Number of Accounts for Regular Shares
7,238
All other shares
100
Money Market Shares
200
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,738,110
Total Liabilities
68,455,946
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Bay Cities Credit UnionIs Bay Cities Credit Union a safe place to deposit money?Yes, Bay Cities Credit Union is considered a safe financial institution. With a Texas Ratio of 5.7378935500101%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Bay Cities Credit Union operate?Bay Cities 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 Bay Cities Credit Union?Yes, to access services at Bay Cities 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, Bay Cities 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, Bay Cities Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Bay Cities Credit Union offer online and mobile banking?Most modern institutions like Bay Cities 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.baycities.org. Compare to Other Credit Unions
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