Bay Shore Credit Union Rates and Review February 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.
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Bay Shore Credit Union's Personal Loan Rates are at 3.99%. You can compare Bay Shore Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.75%, 6-month share certificate rates at 3.75% and 3-month share certificate rates at 0.05%. Savings rates are at 0.60% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 5.76%. All these rates, and more, can be found in our database of rates which you can compare to Bay Shore Credit Union rates.
Bay Shore 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 Shore Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . Bay Shore Credit Union Texas RatioBay Shore Credit Union's Texas Ratio is at 0.87%, which is considered excellent. The Texas Ratio for Bay Shore Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Bay Shore Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Bay Shore Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Bay Shore Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Bay Shore Credit Union
Bay Shore Credit Union Main 1514 Cleveland Ave
Marinette, WI 54143 3921 
Bay Shore Credit Union Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Bay Shore 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 Shore 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 Shore Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: Bay Shore Credit Union
Website: https://www.bayshorecu.org
Full Time Employees: 10Part Time Employees: 0 President: Mitch Hubert CEO: Vicki Carviou Branch Locations: 1 ATM Locations: 1 Corporate Office Address:
1514 Cleveland Ave
Marinette, WI 54143 3921 Phone Number: 715-732-0065 Fax Number: 715-732-2794 FinancialsTotal Assets:
46,043,038
Total Amount of Shares and Deposits:
36,767,063
Total Shares and Deposits < 1 Year:
35,855,489
Total Shares and Deposits 1 3 Years:
879,819
Total Shares and Deposits > 3 Years:
31,754
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
1,560,081
Total Uninsured Shares and Deposits > $250K (F+J):
1,560,081
Total Insured Shares and Deposits > $250K (item 17 less item K):
35,206,982
Total Interest Expense (Sum of items 6 8):
181,534
Share Certificates:
205
Number of Accounts for Share Drafts:
1,706
IRA KEOGH Accounts:
125
Number of Accounts for Regular Shares:
4,225
Money Market Shares:
32
Net Income (unless the amount is already included in Undivided Earnings):
374,403
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
1,494,783
Total Liabilities:
37,673,096
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Bay Shore Credit UnionIs a member application needed to join Bay Shore Credit Union?Yes, to access services at Bay Shore Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Bay Shore Credit Union provides a range of mortgage and home equity products. Is Bay Shore Credit Union a safe place to deposit money?Yes, Bay Shore Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Bay Shore Credit Union offer online and mobile banking?Most modern institutions like Bay Shore Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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