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Overview / Commentary
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 1,900th largest credit union in the nation. It was established in 1953 and as of September of 2017, it had grown to 16 employees and 10,647 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 - YTD0.64%
Return on Equity - YTD7.68%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$74.2MM$72.8MM
LoansQ3 2017vs Q3 2016$26.5MM$26.2MM
DepositsQ3 2017vs Q3 2016$69.5MM$66.8MM
Equity CapitalQ3 2017vs Q3 2016$6.2MM$5.7MM
Loan Loss AllowanceQ3 2017vs Q3 2016$412.00K$353.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$379.00K$161.00K
Real Estate OwnedQ3 2017vs Q3 2016$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-Accumulation Roth IRA Shares Account

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