Bay Cities Credit Union Rates and Review January 2026
Compare Bay Cities Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Bay Cities Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityBay 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 CD rates or 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. Overall, Bay Cities Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Bay Cities Credit Union Bay Cities Credit Union 22777 Main St Hayward, CA 94541 5113  CD & Savings Rate ComparisonShow More
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. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
View 50 More
Credit Card Rate ComparisonPlatinum Rewards
8.900% - 13.900%
Based upon credit worthiness.
BECU Visa
13.240% - 25.240%
0.00% Introductory APR for twelve (12) months from date of transfer when transfers are
completed within 90 days of account opening.
Visa Secured
18.000%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate Comparison1st Line of Credit
9.900%
$0
Personal Loans
10.250% - 10.650%
$3,000 - $25,000
Personal Loans
8.990%
$0
36
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have Bay Cities Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Bay Cities Credit Union
Website: https://www.baycities.org
Full Time Employees: 15Part Time Employees: 4 President: Norman Weisbrod CEO: Georgette Munoz Branch Locations: 1 ATM Locations: 1 Corporate Office Address:
22777 Main St
Hayward, CA 94541 5113 Phone Number: 510-690-6100 Fax Number: 510-881-1929 FinancialsTotal 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
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Bay Cities Credit UnionIs a member application needed to join Bay Cities Credit Union?Yes, to access services at Bay Cities Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Bay Cities Credit Union provides a range of mortgage and home equity products. Is Bay Cities Credit Union a safe place to deposit money?Yes, Bay Cities Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Bay Cities Credit Union offer online and mobile banking?Most modern institutions like Bay Cities Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 2.10%, 6-month CD rates at 2.02% and 3-month CD rates at 1.51%. Savings rates are at 3.80% and money market rates are at 3.50%. Mortgage rates on 30-year fixed loans are around 6.04%. Credit Card rates are at 13.04%. Personal Loan rates are at 14.20%. All these rates, and more, can be found in our database of rates which you can compare to 
