Bay Cities Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.02%	1-year CD	12 Month CD 1.35% - Ally Bank High Yield 12-Month CD
0.02%	Savings	Share Savings Account 1.05% - Ally Bank Online Savings Account
0.02%	2-year CD	24 Month CD 1.50% - Ally Bank Raise Your Rate 2-Year CD

View all Bay Cities Credit Union rates »

Overview / Commentary

www.baycities.org

510-690-6100

22777 Main St
Hayward, CA 94541-5113

Bay Cities Credit Union is headquartered in Hayward and is the 176^th largest credit union in the state of California. It is also the 1,938^th largest credit union in the nation. It was established in 1953 and as of December of 2016, it had grown to 18 employees and 11,012 members at 1 location. Bay Cities Credit Union has a B+ health rating.

Field of Membership Restrictions

Bay Cities CU is open to anyone who is a member with, an employee of, current and retired, or a volunteer at any of the CU-affiliated companies, organizations, or accredited institutions, as well as a family member of current CU members. Some of the affiliated listings are, but not limited to; volunteers and employees of the cities of Hayward and San Leandro, Southern Alameda County School District, and Teamster Union Locals--Joint Council 7.
See current membership details

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Health

B+

Data as of Q4 2016

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Bay Cities Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	68316
Year Chartered	1953
Employees	18
Primary Regulator

Profit Margin
Return on Assets - YTD	0.6%
Return on Equity - YTD	7.49%
Annual Interest Income	$2.3MM

Assets and Liabilities
Assets	Q4 2016vs Q4 2015	$71.5MM$68.2MM
Loans	Q4 2016vs Q4 2015	$26.4MM$24.3MM
Deposits	Q4 2016vs Q4 2015	$65.4MM$62.5MM
Equity Capital	Q4 2016vs Q4 2015	$5.8MM$5.4MM
Loan Loss Allowance	Q4 2016vs Q4 2015	$321.00K$391.00K
Unbacked Noncurrent Loans	Q4 2016vs Q4 2015	$35.00K$175.00K
Real Estate Owned	Q4 2016vs Q4 2015	$0$0

Rates

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Money Market
Checking
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Bay Cities Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.02%	$100	-	Share Savings Account
0.02%	$100	-	Vacation Club Account
0.02%	$100	-	Holiday Club Account
0.02%	$100	-	Accumulation IRA Share Account
0.02%	$100	-	Accumulation Roth IRA Shares Account

Bay Cities Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.02%	$1k	-	Money Market Account

Bay Cities Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.02%	$1k	-	Dividend Checking Account

Bay Cities Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.02%	$2k	-	3 Month CD
0.02%	$2k	-	6 Month CD
0.02%	$2k	-	12 Month CD
0.02%	$2k	-	18 Month CD
0.02%	$2k	-	24 Month CD
0.02%	$2k	-	36 Month CD

Bay Cities Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.02%	$1k	-	3 Month IRA Certificate
0.02%	$1k	-	6 Month IRA Certificate
0.02%	$1k	-	12 Month IRA Certificate
0.02%	$1k	-	18 Month IRA Certificate
0.02%	$1k	-	24 Month IRA Certificate
0.02%	$1k	-	36 Month IRA Certificate

Locations

Bay Cities Credit Union Locations
Branch Office	22777 Main St	Hayward, CA 94541-5113