Bay Cities Credit Union


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

Bay Cities Credit Union is headquartered in Hayward and is the 172nd largest credit union in the state of California. It is also the 1,922nd largest credit union in the nation. It was established in 1953 and as of June of 2019, it had grown to 17 employees and 9,898 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
Employees17
Primary Regulator
Profit Margin
Return on Assets - YTD0.6%
Return on Equity - YTD6.46%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$74.2MM$77.6MM
LoansQ2 2019vs Q2 2018$27.0MM$26.2MM
DepositsQ2 2019vs Q2 2018$66.9MM$71.0MM
Equity CapitalQ2 2019vs Q2 2018$7.0MM$6.5MM
Loan Loss AllowanceQ2 2019vs Q2 2018$371.00K$325.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$224.00K$236.00K
Real Estate OwnedQ2 2019vs Q2 2018$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-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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