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Bayport Credit Union

Popular Accounts at this Credit Union

0.95%5-year CD60 Months Share Certificate
0.30%1-year CD12 Months Share Certificate

Overview / Commentary
11820 Fountain Way Suite 400
Newport News, VA 23606

Bayport Credit Union is headquartered in Newport News and is the 9th largest credit union in the state of Virginia. It is also the 152nd largest credit union in the nation. It was established in 1928 and as of June of 2016, it had grown to 371 employees and 128,364 members at 24 locations. Bayport Credit Union's money market rates are 14% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Bayport Credit Union is open to those who live, work, attend school, or worship in the following: (1) the cities of Chesapeake, Franklin, Hampton, Newport News, Norfolk, Poqouson, Portsmouth, Suffolk, Virginia Beach, or Williamsburg in Virginia; (2) the counties of Gloucester, Isle of Wight, James City, Mathews, Southampton, Surry, or York in Virginia or the counties of Currituck or Gates in North Carolina.
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Reviews (3)

Love Them!

Posted by: poqbum | Nov 10, 2011

They TRULY have your best interest in mind.

I've done a lot of research before choosing this credit union. It is the best credit union for the hampton roads area. Fee free ATM's are all over the place, they're more frequent than any other bank ATM. It offers very nice online banking features and mobile banking features as well as many other completely free services. Fees are far less than banks (they would be lower but our government has made laws to prevent them to, otherwise banks couldn't compete).

They have free rewards programs and often have givaways to members (currently 2 contests, $10,000 and a $1,000 to random bayport members who use their debit card / online services)

Bottom line: You will save money if you bank with them, and if you're lucky maybe even get a little rich. They are very helpful and are extremely prompt and quick to responding to any question or loan request. They have tools and are very helpful with managing your budget and money if you need the help.

I'll be staying with them as long as possible.

I was previously with a larger bank who stabbed me with ridiculous fees (I found 4 faulty overdraft fees over a span of 3 months, which were later fixed after 22 days and hours worth of customer service) not to mention limited benefits from banking with them. It seems almost obvious that the 4 fault overdraft fees were not mistakes, and right then I decided I wasn't going to bank with them any longer. Bayport outdoes them by a long shot.

Fantastic Credit Union

Posted by: Anonymous | Nov 8, 2011

They have a mobile app, you can use any credit union ATM for free, and those ATM's are everywhere. Online banking is easy. They constantly have some sort of giveaway contest, fast response via phone or web chat support. Great all around, no complaints at all.

Unnecessary Fees

Posted by: Kmcclees | Dec 26, 2015

I opened a checking and saving account in 2010 cause my mom had history there having an account for years with no problem and things were going great at first with no issue. I even had a nice savings in my savings account. The staff was very friendly! but then over a bit a time later I stop depositing into my checking account but unbeknownst me when I when to withdrawal from my savings they took it all! When I went to find out they gave me some child's excuse saying it was because I haven't been putting anything into my checking account! they even had the nerve to say that if I put anything into my checking now they would take about $50 of it! This bank runs on Unnecessary Fees!!


Health Grade Components

NCUA #61330
Year Chartered1928
Primary Regulator
Profit Margin
Return on Assets - YTD0.3%
Return on Equity - YTD2.58%
Annual Interest Income$26.4MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$1.48B$1.41B
LoansQ2 2016vs Q2 2015$1.08B$967.2MM
DepositsQ2 2016vs Q2 2015$1.24B$1.19B
Equity CapitalQ2 2016vs Q2 2015$173.2MM$174.7MM
Loan Loss AllowanceQ2 2016vs Q2 2015$8.4MM$7.9MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$6.4MM$5.6MM
Real Estate OwnedQ2 2016vs Q2 2015$3.4MM$1.6MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Bayport Credit Union Savings Account Rates

5.00%*-$500Fast Start Savings
OTHER TIERS: 0.25% $2k+ | 3.00% $500 - $2k
0.30%$100-IRA Savings
OTHER TIERS: 0.15% $100 - $2k
0.25%*$2k*-Vacation Club Accounts
OTHER TIERS: 0.15% $100 - $2k
0.25%*$2k*-Christmas Club Accounts
OTHER TIERS: 0.15% $100 - $2k

Bayport Credit Union Money Market Rates

0.50%*$100k*-Pinnacle Money Market
OTHER TIERS: 0.30% $2,500 - $10k | 0.35% $10k - $25k | 0.40% $25k - $50k | 0.45% $50k - $100k
0.45%*$50k*-Money Market
OTHER TIERS: 0.30% $2,500 - $10k | 0.35% $10k - $25k | 0.40% $25k - $50k

Bayport Credit Union Checking Account Rates

0.35%*$50k*-Investment Checking
OTHER TIERS: 0.20% $2,500 - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k
0.10%*$1k*-Classic Checking
OTHER TIERS: 0.05% $500 - $1k

Bayport Credit Union CD Rates

1.80%$2,500-54 Months Premier Share Certificate Special
1.80%$2,500-54 Months Select Share Certificate Special
1.75%$2,500-54 Months Preferred Share Certificate Special
1.50%$2,500-54 Months Share Certificate Special
1.45%$2,500-39 Months Premier Share Certificate Special
1.45%$2,500-39 Months Select Share Certificate Special
1.40%$2,500-39 Months Preferred Share Certificate Special
1.26%$1k-60 Months Premier Share Certificate
1.26%$1k-60 Months Select Share Certificate
1.21%$1k-60 Months Preferred Share Certificate
1.20%$2,500-25 Months Premier Share Certificate Special
1.20%$2,500-25 Months Select Share Certificates Special
1.15%$2,500-25 Months Preferred Share Certificate Special
1.15%$2,500-39 Months Share Certificate Special
1.06%$1k-48 Months Premier Share Certificate
1.06%$1k-48 Months Select Share Certificate
1.00%$1k-48 Months Preferred Share Certificate
0.95%$1k-36 Months Premier Share Certificate
0.95%$1k-36 Months Select Share Certificate
0.95%$1k-60 Months Share Certificate
0.90%$1k-36 Months Preferred Share Certificate
0.89%$2,500-25 Months Share Certificate Special
0.75%$1k-24 Months Premier Share Certificate
0.75%$1k-24 Months Select Share Ceriticate
0.75%$1k-30 Months Premier Share Certificate
0.75%$1k-30 Months Select Share Certificate
0.75%$1k-48 Months Share Certificate
0.70%$1k-24 Months Preferred Share Certificate
0.70%$1k-30 Months Preferred Share Certificate
0.65%$2,500-11 Months Premier Share Certificate Special
0.65%$2,500-11 Months Select Share Certificate Special
0.65%$1k-18 Months Premier Share Certificate
0.65%$1k-18 Months Select Share Certificate
0.65%$5k-25 Months Flex Share Certificate
0.65%$5k-25 Months Flex Preferred Share Certificate
0.65%$5k-25 Months Flex Premier Share Certificate
0.65%$5k-25 Months Flex Select Share Certificate
0.65%$1k-36 Months Share Certificate
0.60%$2,500-11 Months Preferred Share Certificate Special
0.60%$1k-12 Months Premier Share Certificate
0.60%$1k-12 Months Select Share Certificate
0.60%$1k-18 Months Preferred Share Certificate
0.55%$1k-91 Day Premier Share Certificate
0.55%$1k-91 Day Select Share Certificate
0.55%$1k-6 Months Premier Share Certificate
0.55%$1k-6 Months Select Share Certificate
0.55%$1k-12 Months Preferred Share Certificate
0.50%$1k-91 Day Preferred Share Certificate
0.50%$1k-6 Months Preferred Share Certificate
0.45%$1k-24 Months Share Certificate
0.45%$1k-30 Months Share Certificate
0.35%$2,500-11 Months Share Certificate Special
0.35%$1k-18 Months Share Certificate
0.30%$1k-12 Months Share Certificate
0.25%$1k-91 Day Share Certificate
0.25%$1k-6 Months Share Certificate

Bayport Credit Union IRA Rates

1.80%$500-54 Months Premier CESA Special
1.80%$500-54 Months Select CESA Special
1.80%$1k-54 Months Select IRA Special
1.80%$1k-54 Month Premier IRA Special
1.75%$1k-54 Months Preferred IRA Special
1.75%$500-54 Months Preferred CESA Special
1.50%$1k-54 Months IRA Special
1.50%$500-54 Months CESA Special
1.45%$500-39 Months Premier CESA Special
1.45%$500-39 Months Select CESA Special
1.45%$1k-39 Months Select IRA Special
1.45%$1k-39 Month Premier IRA Special
1.40%$500-39 Months Preferred CESA Special
1.40%$1k-39 Months Preferred IRA Special
1.26%$500-5 Year Premier CESA
1.26%$500-5 Year Select CESA
1.26%$1k-5 Year Select IRA
1.26%$1k-5 Year Premier IRA
1.21%$1k-5 Year Preferred IRA
1.21%$500-5 Year Preferred CESA
1.20%$1k-25 Months Premier IRA Special
1.20%$1k-25 Months Select IRA Special
1.20%$500-25 Months Premier CESA Special
1.20%$500-25 Months Select CESA Special
1.15%$1k-25 Months Preferred IRA Special
1.15%$500-25 Months Preferred CESA Special
1.15%$500-39 Months CESA Special
1.15%$1k-39 Months IRA Special
1.06%$500-4 Year Premier CESA
1.06%$500-4 Year Select CESA
1.06%$1k-4 Year Select IRA
1.06%$1k-4 Year Premier IRA
1.00%$1k-4 Year Preferred IRA
1.00%$500-4 Year Preferred CESA
0.95%$1k-5 Year IRA
0.95%$500-3 Year Premier CESA
0.95%$500-3 Year Select CESA
0.95%$500-5 Year CESA
0.95%$1k-3 Year Select IRA
0.95%$1k-3 Year Premier IRA
0.90%$1k-3 Year Preferred IRA
0.90%$500-3 Year Preferred CESA
0.89%$1k-25 Months IRA Special
0.89%$500-25 Months CESA Special
0.75%$1k-4 Year IRA
0.75%$500-2 Year Premier CESA
0.75%$500-2 Year Select CESA
0.75%$500-4 Year CESA
0.75%$1k-2 Year Select IRA
0.75%$1k-2 Year Premier IRA
0.70%$1k-2 Year Preferred IRA
0.70%$500-2 Year Preferred CESA
0.65%$1k-3 Year IRA
0.65%$500-11 Months Premier CESA Special
0.65%$500-11 Months Select CESA Special
0.65%$500-3 Year CESA
0.65%$1k-11 Months Select IRA Special
0.65%$1k-11 Month Premier IRA Special
0.60%$1k-11 Months Preferred IRA Special
0.60%$500-11 Months Preferred CESA Special
0.60%$500-1 Year Premier CESA
0.60%$500-1 Year Select CESA
0.60%$1k-1 Year Select IRA
0.60%$1k-1 Year Premier IRA
0.55%$1k-1 Year Preferred IRA
0.55%$500-1 Year Preferred CESA
0.45%$1k-2 Year IRA
0.45%$500-2 Year CESA
0.35%$1k-11 Months IRA Special
0.35%$500-11 Months CESA Special
0.30%$1k-1 Year IRA
0.30%$500-1 Year CESA

Bayport Credit Union has 24 locations. Click to view all Bayport Credit Union locations.