Credit union · NCUA insured
Bay Cities CU Savings Rates
Top CarrotBay Cities CU’s best savings rate is 0.50% APY on $10,000, with its Money Market (S5). Rates checked October 16, 2026.
How Bay Cities CU’s savings 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
0.50%APY
- Requires
- None
- Earns on $10,000 a year
- $50
Money Market (S5)
Top rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $450
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $440
Bay Cities CU savings score
80
Savings score
Higher than 52% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.50%
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 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 (S5)
0.50%APY
Your rate may change after the account is opened and fees may reduce earnings on your account. $1,000 Minimum Balance to earn Dividends. Dividends are calculated daily and compounded daily.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $4,999Account Terms: Daily. Dividend Calculation: Daily Compounded. $1,000 Minimum Balance to earn Dividends. | 0.25% | — | Account Terms: Daily. Dividend Calculation: Daily Compounded. $1,000 Minimum Balance to earn Dividends. |
| $5,000 – $9,999Account Terms: Daily. Dividend Calculation: Daily Compounded. $1,000 Minimum Balance to earn Dividends. | 0.40% | — | Account Terms: Daily. Dividend Calculation: Daily Compounded. $1,000 Minimum Balance to earn Dividends. |
| $10,000 – $24,999Account Terms: Daily. Dividend Calculation: Daily Compounded. $1,000 Minimum Balance to earn Dividends. | 0.50% | $50 | Account Terms: Daily. Dividend Calculation: Daily Compounded. $1,000 Minimum Balance to earn Dividends. |
| $25,000 – $49,999Account Terms: Daily. Dividend Calculation: Daily Compounded. $1,000 Minimum Balance to earn Dividends. | 0.55% | — | Account Terms: Daily. Dividend Calculation: Daily Compounded. $1,000 Minimum Balance to earn Dividends. |
| $50,000 – $99,999Account Terms: Daily. Dividend Calculation: Daily Compounded. $1,000 Minimum Balance to earn Dividends. | 0.65% | — | Account Terms: Daily. Dividend Calculation: Daily Compounded. $1,000 Minimum Balance to earn Dividends. |
| $100,000 and upAccount Terms: Daily. Dividend Calculation: Daily Compounded. $1,000 Minimum Balance to earn Dividends. | 0.75% | — | Account Terms: Daily. Dividend Calculation: Daily Compounded. $1,000 Minimum Balance to earn Dividends. |
Sources (1)
- baycities.org/deposit-rates · captured Sep 25, 2026
Share Savings (S1)
0.02%APY
$25 minimum balance; $100 minimum balance to earn dividends. Rate may change after account opening. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $1,000 | 0.02% | — |
| $1,001 – $5,000 | 0.02% | — |
| $5,001 – $10,000 | 0.02% | $2 |
| $10,001 and up | 0.02% | — |
Sources (1)
- baycities.org/deposit-rates · captured Sep 16, 2026
Special-purpose accounts
Accumulation IRA Savings
0.02%APY
$25 Minimum Balance. A penalty may be imposed for early withdrawal. Rate may change after account opening. Fees may reduce earnings. Covers Traditional IRA (S20) & Roth IRA (S21) Shares.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $1,000 | 0.02% | — |
| $1,001 – $5,000 | 0.02% | — |
| $5,001 – $10,000 | 0.02% | $2 |
| $10,001 and up | 0.02% | — |
Sources (1)
- baycities.org/deposit-rates · captured Sep 16, 2026
Holiday Account (S15)
0.02%APY
$25 minimum balance; $100 minimum balance to earn dividends. Rate may change after account opening. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $1,000 | 0.02% | — |
| $1,001 – $5,000 | 0.02% | — |
| $5,001 – $10,000 | 0.02% | $2 |
| $10,001 and up | 0.02% | — |
Sources (1)
- baycities.org/deposit-rates · captured Sep 16, 2026
Vacation Club (S14)
0.02%APY
$25 minimum balance; $100 minimum balance to earn dividends. Rate may change after account opening. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $1,000 | 0.02% | — |
| $1,001 – $5,000 | 0.02% | — |
| $5,001 – $10,000 | 0.02% | $2 |
| $10,001 and up | 0.02% | — |
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.