Bay Cities Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.baycities.org

510-690-6100

22777 Main St
Hayward, CA 94543

Bay Cities Credit Union is headquartered in Hayward and is the 166^th largest credit union in the state of California. It is also the 2,048^th largest credit union in the nation. It was established in 1953 and as of March of 2025, it had grown to 14 employees and 7,076 members at 1 location. Bay Cities Credit Union's CD rates are 3X the national average, and it 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 Q1 2025

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	14
Primary Regulator

Profit Margin
Return on Assets - YTD	1.5%
Return on Equity - YTD	13.32%
Annual Interest Income	$984K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$78.1MM$80.5MM
Loans	Q1 2025vs Q1 2024	$29.8MM$28.6MM
Deposits	Q1 2025vs Q1 2024	$69.3MM$72.4MM
Equity Capital	Q1 2025vs Q1 2024	$8.6MM$7.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$436K$275K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$139K$328K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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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	-	You Name It Club

Bay Cities Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.75%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.25% → $1k - $5k \| 0.35% → $5k - $10k \| 0.45% → $10k - $25k \| 0.55% → $25k - $50k \| 0.65% → $50k - $100k

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
3.37%^*	$100k^*	-	36 Month CD
OTHER TIERS: 2.09% → $2k - $5k \| 2.14% → $5k - $10k \| 2.19% → $10k - $25k \| 2.35% → $25k - $50k \| 2.86% → $50k - $100k
3.26%^*	$100k^*	-	24 Month CD
OTHER TIERS: 1.95% → $2k - $5k \| 1.99% → $5k - $10k \| 2.09% → $10k - $25k \| 2.25% → $25k - $50k \| 2.76% → $50k - $100k
3.15%^*	$100k^*	-	18 Month CD
OTHER TIERS: 1.89% → $2k - $5k \| 1.94% → $5k - $10k \| 1.99% → $10k - $25k \| 2.12% → $25k - $50k \| 2.63% → $50k - $100k
3.04%^*	$100k^*	-	12 Month CD
OTHER TIERS: 1.84% → $2k - $5k \| 1.89% → $5k - $10k \| 1.94% → $10k - $25k \| 2.02% → $25k - $50k \| 2.53% → $50k - $100k
2.53%^*	$100k^*	-	6 Month CD
OTHER TIERS: 1.53% → $2k - $5k \| 1.63% → $5k - $10k \| 1.74% → $10k - $25k \| 1.84% → $25k - $50k \| 2.02% → $50k - $100k
1.72%^*	$100k^*	-	3 Month CD
OTHER TIERS: 1.21% → $2k - $5k \| 1.31% → $5k - $10k \| 1.41% → $10k - $25k \| 1.51% → $25k - $50k \| 1.61% → $50k - $100k

Bay Cities Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.37%^*	$100k^*	-	36 Month IRA Certificate
OTHER TIERS: 2.09% → $1k - $5k \| 2.14% → $5k - $10k \| 2.19% → $10k - $25k \| 2.35% → $25k - $50k \| 2.86% → $50k - $100k
3.26%^*	$100k^*	-	24 Month IRA Certificate
OTHER TIERS: 1.95% → $1k - $5k \| 1.99% → $5k - $10k \| 2.09% → $10k - $25k \| 2.25% → $25k - $50k \| 2.76% → $50k - $100k
3.15%^*	$100k^*	-	18 Month IRA Certificate
OTHER TIERS: 1.89% → $1k - $5k \| 1.94% → $5k - $10k \| 1.99% → $10k - $25k \| 2.12% → $25k - $50k \| 2.63% → $50k - $100k
3.04%^*	$100k^*	-	12 Month IRA Certificate
OTHER TIERS: 1.84% → $1k - $5k \| 1.89% → $5k - $10k \| 1.94% → $10k - $25k \| 2.02% → $25k - $50k \| 2.53% → $50k - $100k
2.53%^*	$100k^*	-	6 Month IRA Certificate
OTHER TIERS: 1.53% → $1k - $5k \| 1.63% → $5k - $10k \| 1.74% → $10k - $25k \| 1.84% → $25k - $50k \| 2.02% → $50k - $100k
1.72%^*	$100k^*	-	3 Month IRA Certificate
OTHER TIERS: 1.21% → $1k - $5k \| 1.31% → $5k - $10k \| 1.41% → $10k - $25k \| 1.51% → $25k - $50k \| 1.61% → $50k - $100k
0.02%	$100	-	Accumulation IRA Share Account