Bay Cities Credit Union

Overview / Commentary
22777 Main St
Hayward, CA 94541-5113

Bay Cities Credit Union is headquartered in Hayward and is the 171st largest credit union in the state of California. It is also the 1,920th largest credit union in the nation. It was established in 1953 and as of March of 2019, it had grown to 17 employees and 10,154 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.
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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

NCUA #68316
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.54%
Return on Equity - YTD5.85%
Annual Interest Income$674.00K
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$74.9MM$77.8MM
LoansQ1 2019vs Q1 2018$27.4MM$25.8MM
DepositsQ1 2019vs Q1 2018$67.8MM$71.3MM
Equity CapitalQ1 2019vs Q1 2018$6.8MM$6.4MM
Loan Loss AllowanceQ1 2019vs Q1 2018$384.00K$343.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$217.00K$210.00K
Real Estate OwnedQ1 2019vs Q1 2018$0$0
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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

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-You Name It Club

Bay Cities Credit Union Money Market Rates

0.02%$1k-Money Market Account

Bay Cities Credit Union Checking Account Rates

0.02%$1k-Dividend Checking Account

Bay Cities Credit Union CD Rates

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

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

Bay Cities Credit Union Locations
Branch Office22777 Main StHayward, CA 94541-5113

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