Overview / Commentary
510-690-6100
22777 Main St
Hayward, CA 94541-5113

Bay Cities Credit Union is headquartered in Hayward and is the 169th largest credit union in the state of California. It is also the 1,896th largest credit union in the nation. It was established in 1953 and as of September of 2018, it had grown to 16 employees and 10,277 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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Health
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 Chartered1953
Employees16
Primary Regulator
Profit Margin
Return on Assets - YTD0.47%
Return on Equity - YTD5.46%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$74.7MM$74.2MM
LoansQ3 2018vs Q3 2017$26.3MM$26.5MM
DepositsQ3 2018vs Q3 2017$68.0MM$69.5MM
Equity CapitalQ3 2018vs Q3 2017$6.6MM$6.2MM
Loan Loss AllowanceQ3 2018vs Q3 2017$375.00K$412.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$328.00K$379.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Bay Cities Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.02%$1k-Money Market Account

Bay Cities Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.02%$1k-Dividend Checking Account

Bay Cities Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Office22777 Main StHayward, CA 94541-5113

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