Credit union · NCUA insured
Bay Cities CU CD Rates
Top CarrotBay Cities CU’s best CD rate is 3.42% APY on an 18-month share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 16, 2026.
How Bay Cities CU’s CD rates compare
Compared with banks and credit unions near San Francisco, CA, where Bay Cities CU has the most branches. $10,000, best rate first.
This credit union’s best
Bay Cities CU
2.28%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000
- $460
Star Certificates
Top rate
Stanford Federal Credit Union
4.75%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $2,612
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
Bay Cities CU CD score
63
CD score
Higher than 10% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo2.14%
- 9–15 months9–15 mo2.19%
- 16–30 months16–30 mo2.28%
- 31–60 months31–60 mo2.08%
- QualifiedQualified2.28%
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 Cities CU 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.
Star Certificates
Up to 2.28%APY · 6 terms
A penalty may be imposed for early withdrawal. Dividends compounded daily.
| Term | APY · $2,000 – $4,999 | APY · $5,000 – $9,999 | APY · $10,000 – $24,999 | APY · $25,000 – $49,999 | APY · $50,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|
| 3 monthsDaily dividend calculation, daily compounded. Account code I54M. Early withdrawal penalty may apply | 1.67% | 1.85% | 2.08% | 2.25% | 2.35% | 2.45% | 2.08%1.67% $2k–$5k1.85% $5k–$10k2.25% $25k–$50k2.35% $50k–$100k2.45% from $100k | $52 |
| 6 monthsDaily dividend calculation, daily compounded. Account code I55. Early withdrawal penalty may apply | 1.69% | 1.87% | 2.14% | 2.35% | 2.45% | 2.63% | 2.14%1.69% $2k–$5k1.87% $5k–$10k2.35% $25k–$50k2.45% $50k–$100k2.63% from $100k | $107 |
| 12 monthsDaily dividend calculation, daily compounded. Account code I56. Early withdrawal penalty may apply | 2.01% | 2.06% | 2.19% | 2.40% | 2.63% | 3.37% | 2.19%2.01% $2k–$5k2.06% $5k–$10k2.40% $25k–$50k2.63% $50k–$100k3.37% from $100k | $219 |
| 18 monthsDaily dividend calculation, daily compounded. Account code I57. Early withdrawal penalty may apply | 1.96% | 1.99% | 2.14% | 2.35% | 2.60% | 3.42% | 2.14%1.96% $2k–$5k1.99% $5k–$10k2.35% $25k–$50k2.60% $50k–$100k3.42% from $100k | $323 |
| 24 monthsDaily dividend calculation, daily compounded. Account code I58. Early withdrawal penalty may apply | 1.97% | 2.01% | 2.28% | 2.53% | 2.99% | 3.06% | 2.28%1.97% $2k–$5k2.01% $5k–$10k2.53% $25k–$50k2.99% $50k–$100k3.06% from $100k | $460 |
| 36 monthsDaily dividend calculation, daily compounded. Account code I59. Early withdrawal penalty may apply | 1.98% | 2.01% | 2.08% | 2.22% | 2.42% | 3.00% | 2.08%1.98% $2k–$5k2.01% $5k–$10k2.22% $25k–$50k2.42% $50k–$100k3.00% from $100k | $637 |
Special-purpose accounts
IRA & Roth Certificates
Up to 2.28%APY · 6 terms
$1,000 Minimum Balance. Daily dividend calculation, daily compounded. A penalty may be imposed for early withdrawal.
| Term | APY · $1,000 – $4,999 | APY · $5,000 – $9,999 | APY · $10,000 – $24,999 | APY · $25,000 – $49,999 | APY · $50,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|
| 3 months3 month (I64/I74). Daily dividend calculation, daily compounded | 1.67% | 1.85% | 2.08% | 2.25% | 2.35% | 2.45% | 2.08%1.67% $1k–$5k1.85% $5k–$10k2.25% $25k–$50k2.35% $50k–$100k2.45% from $100k | $52 |
| 6 months6 month (I65/I75). Daily dividend calculation, daily compounded | 1.69% | 1.87% | 2.14% | 2.35% | 2.45% | 2.63% | 2.14%1.69% $1k–$5k1.87% $5k–$10k2.35% $25k–$50k2.45% $50k–$100k2.63% from $100k | $107 |
| 12 months12 month (I66/I76). Daily dividend calculation, daily compounded | 2.01% | 2.06% | 2.19% | 2.40% | 2.63% | 3.37% | 2.19%2.01% $1k–$5k2.06% $5k–$10k2.40% $25k–$50k2.63% $50k–$100k3.37% from $100k | $219 |
| 18 months18 month (I67/I77). Daily dividend calculation, daily compounded | 1.96% | 1.99% | 2.14% | 2.35% | 2.60% | 3.42% | 2.14%1.96% $1k–$5k1.99% $5k–$10k2.35% $25k–$50k2.60% $50k–$100k3.42% from $100k | $323 |
| 24 months24 month (I68/I78). Daily dividend calculation, daily compounded | 1.97% | 2.01% | 2.28% | 2.53% | 2.99% | 3.06% | 2.28%1.97% $1k–$5k2.01% $5k–$10k2.53% $25k–$50k2.99% $50k–$100k3.06% from $100k | $460 |
| 36 months36 month (I69/I79). Daily dividend calculation, daily compounded | 1.98% | 2.01% | 2.08% | 2.22% | 2.42% | 3.00% | 2.08%1.98% $1k–$5k2.01% $5k–$10k2.22% $25k–$50k2.42% $50k–$100k3.00% from $100k | $637 |
Sources (1)
- baycities.org/deposit-rates · captured Oct 16, 2026
IRA Certificates
Up to 2.19%APY · 3 terms
Early withdrawal penalty may be imposed.
| Term | APY · $1,000 – $4,999 | APY · $5,000 – $9,999 | APY · $10,000 – $24,999 | APY · $25,000 – $49,999 | APY · $50,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|
| 3 months3 month term (I64/I74). Balance $1,000-$4,999 | 1.65% | — | — | — | — | — | —1.65% $1k–$5k | — |
| 3 months3 month term (I64/I74). Balance $10,000-$24,999 | — | — | 2.06% | — | — | — | 2.06% | $51 |
| 3 months3 month term (I64/I74). Balance $100,000+ | — | — | — | — | — | 2.43% | —2.43% from $100k | — |
| 3 months3 month term (I64/I74). Balance $25,000-$49,999 | — | — | — | 2.22% | — | — | —2.22% $25k–$50k | — |
| 3 months3 month term (I64/I74). Balance $5,000-$9,999 | — | 1.83% | — | — | — | — | —1.83% $5k–$10k | — |
| 3 months3 month term (I64/I74). Balance $50,000-$99,999 | — | — | — | — | 2.33% | — | —2.33% $50k–$100k | — |
| 6 months6 month term (I65/I75). Balance $1,000-$4,999 | 1.69% | — | — | — | — | — | —1.69% $1k–$5k | — |
| 6 months6 month term (I65/I75). Balance $10,000-$24,999 | — | — | 2.14% | — | — | — | 2.14% | $107 |
| 6 months6 month term (I65/I75). Balance $100,000+ | — | — | — | — | — | 2.63% | —2.63% from $100k | — |
| 6 months6 month term (I65/I75). Balance $25,000-$49,999 | — | — | — | 2.35% | — | — | —2.35% $25k–$50k | — |
| 6 months6 month term (I65/I75). Balance $5,000-$9,999 | — | 1.87% | — | — | — | — | —1.87% $5k–$10k | — |
| 6 months6 month term (I65/I75). Balance $50,000-$99,999 | — | — | — | — | 2.45% | — | —2.45% $50k–$100k | — |
| 12 months12 month term (I66/I76). Balance $1,000-$4,999 | 2.01% | — | — | — | — | — | —2.01% $1k–$5k | — |
| 12 months12 month term (I66/I76). Balance $10,000-$24,999 | — | — | 2.19% | — | — | — | 2.19% | $219 |
| 12 months12 month term (I66/I76). Balance $100,000+ | — | — | — | — | — | 3.37% | —3.37% from $100k | — |
| 12 months12 month term (I66/I76). Balance $25,000-$49,999 | — | — | — | 2.40% | — | — | —2.40% $25k–$50k | — |
| 12 months12 month term (I66/I76). Balance $5,000-$9,999 | — | 2.06% | — | — | — | — | —2.06% $5k–$10k | — |
| 12 months12 month term (I66/I76). Balance $50,000-$99,999 | — | — | — | — | 2.63% | — | —2.63% $50k–$100k | — |
Sources (1)
- baycities.org/deposit-rates · captured Sep 16, 2026
Who can join Bay Cities CU
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.
Membership information collected October 5, 2026.