Credit union · NCUA insured
Bay Area Credit Union Savings Rates
Bay Area Credit Union’s best savings rate is 0.40% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Bay Area Credit Union’s savings 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
0.40%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $40
Money Market
Top rate
Superior Credit Union
3.95%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $395
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Bay Area Credit Union savings score
76
Savings score
Higher than 40% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.40%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
Up to 0.40%APY
Tiered dividend rates, with $2,500 minimum balance. Dividends paid monthly. Unlimited deposits. 6 disbursements per month ($5 per disbursements over 6 per month). Maximum of 3 checks with a minimum of $500 each.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 and up | 0.10% | $10 |
| $2,500 and up | 0.40% | $40 |
| $50,000 and up | 0.70% | — |
| $100,000 and up | 1.00% | — |
Savings
0.05%APY
Also referred to as Regular Saver.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (2)
All captured Oct 6, 2026
Secondary Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- bayareacu.com/loan-rates-and-certificate-rates · captured Oct 6, 2026
Special-purpose accounts
Holiday Saver
0.15%APY
Funds distributed annually on October 1st. No monthly service charge. Early withdrawal fee applies.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (2)
All captured Oct 6, 2026
IRA Savings
0.10%APY
Tax-advantaged savings available as Traditional IRA or Roth IRA. No setup fees, no monthly or annual maintenance fees, and no minimum deposit to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTraditional IRA and Roth IRA share the same rate schedule.Any balance | 0.10% | $10 | Traditional IRA and Roth IRA share the same rate schedule. |
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.