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Bay Cities Credit Union


Overview / Commentary
www.baycities.org
510-690-6100
22777 Main St
Hayward, CA 94541

Bay Cities Credit Union is headquartered in Hayward and is the 173rd largest credit union in the state of California. It is also the 1,936th largest credit union in the nation. It was established in 1953 and as of December of 2019, it had grown to 18 employees and 9,819 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 2019

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 Chartered1953
Employees18
Primary Regulator
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD5.92%
Annual Interest Income$2.8MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$73.5MM$73.9MM
LoansQ4 2019vs Q4 2018$26.5MM$26.4MM
DepositsQ4 2019vs Q4 2018$66.0MM$66.9MM
Equity CapitalQ4 2019vs Q4 2018$7.1MM$6.7MM
Loan Loss AllowanceQ4 2019vs Q4 2018$381.00K$355.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$267.00K$209.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.02%$100-Share Savings 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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