Credit union · NCUA insured
Bay Cities CU
Top CarrotA $78.8M credit union headquartered in Hayward, CA, with 6,669 members and 1 branch in California. Best rates: CDs 3.42% and savings 0.50% APY.
Bay Cities CU Carrot Score
Carrot ScoreTop Carrot
Higher than 87% of U.S. banks and credit unions
#13 of 71 in San Francisco, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Bay Cities CU
- Headquarters
- 22777 Main St, Hayward, CA 94541-5113
- NCUA charter
- 68316
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees or members of companies, organizations, or chambers approved for membership are eligible.
- Employees, members, or retirees of Teamster Union Locals under Joint Council 7 are eligible for membership.
Military, government and schools
- Volunteers, employees, or retirees of the Cities of Hayward or San Leandro are eligible for membership.
- Classified employees or retirees of Southern Alameda County School District are eligible for membership.
Branches
1 branch in California
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California
1 branch
- Bay Cities Credit UnionMain office22777 Main St, Hayward, CA 94541Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.70% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.86% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.98% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $45 | $59 | — |
- CapitalNet worth ratio12.70%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.86%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.98%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$45Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Bay Cities CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.