Credit union · NCUA insured
Bay Area Credit Union CD Rates
Bay Area Credit Union’s best CD rate is 3.20% APY on a 4-year share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 16, 2026.
How Bay Area Credit Union’s CD rates compare
Compared with banks and credit unions near Toledo, OH, where Bay Area Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Bay Area Credit Union
3.20%APY
- Term
- 48 months
- Minimum
- $1,000
- Earns on $10,000
- $1,343
Share Certificate
Top rate
Fremont Federal Credit Union
5.10%APY
- Term
- 84 months
- Minimum
- $1,000
- Earns on $10,000
- $4,165
2nd-highest rate
Educational Community Alliance CU
4.58%APY
- Term
- 48 months
- Minimum
- —
- Earns on $10,000
- $1,962
Bay Area Credit Union CD score
66
CD score
Higher than 17% of U.S. banks and credit unions
- 9–15 months9–15 mo1.50%
- 16–30 months16–30 mo2.25%
- 31–60 months31–60 mo3.20%
- QualifiedQualified3.20%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Bay Area Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 3.20%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.50% | $150 |
| 24 months | 2.25% | $455 |
| 36 months | 2.75% | $848 |
| 48 months | 3.20% | $1,343 |
| 60 months | 3.00% | $1,593 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Certificate
Up to 3.20%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.25% | $62 |
| 12 months | 1.50% | $150 |
| 24 months | 2.25% | $455 |
| 36 months | 2.75% | $848 |
| 48 months | 3.20% | $1,343 |
| 60 months | 3.00% | $1,593 |
Sources (3)
All captured Oct 6, 2026
Who can join Bay Area Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in Lucas, Wood, Ottawa, or Sandusky county.
Family and household
- Family members are eligible to join.
Cost to join
- Opening a Regular Savings account with a $5 minimum deposit is required to join.
Membership information collected October 5, 2026.