Credit union · NCUA insured
Bay Federal Credit Union Savings Rates
Bay Federal Credit Union’s best savings rate is 0.75% APY on $10,000, with its Titanium Savings. Rates checked October 16, 2026.
How Bay Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Santa Cruz, CA, where Bay Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Bay Federal Credit Union
0.75%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $75
Titanium Savings
Top rate
Santa Cruz Community Credit Union
2.02%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $202
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Bay Federal Credit Union savings score
84
Savings score
Higher than 65% of U.S. banks and credit unions
- $1,000 balance$1,0003.04%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0002.02%
- QualifiedQualified0.75%
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 Federal 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 Savings
3.04%APY
Bay Federal Credit Union membership required (open to individuals who live, work, attend school, volunteer, or worship in Santa Cruz, San Benito, or Monterey Counties). Limited to one account per member (Savings or Advantage). No monthly service charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500$5 daily balance required to earn dividends.Up to $2,500 | 3.04% | — | $5 daily balance required to earn dividends. |
Sources (2)
- es.bayfed.com/checking-savings…ngs/money-market-savings
- bayfed.com/checking-savings/savings/money-market-savings
All captured Sep 16, 2026
Titanium Savings
0.75%APY
Membership required. Required minimum opening balance of $5; daily balance of $100 to earn dividends. Horizon Checking members can earn a bonus 0.50% APY with eStatements, $1,000+ direct deposit, and 15+ debit transactions per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $24,999Daily balance of $100 to earn dividends. No monthly service fee. | 0.75% | $75 | Daily balance of $100 to earn dividends. No monthly service fee. |
| $25,000 – $49,999No monthly service fee. | 1.77% | — | No monthly service fee. |
| $50,000 and upNo monthly service fee. | 2.02% | — | No monthly service fee. |
Savings Accounts
0.10%APY
Membership required (open to individuals living, working, attending school, volunteering, or worshiping in Santa Cruz, San Benito, or Monterey counties). Required minimum opening balance of $5; daily balance of $100 to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDaily balance of $100 to earn dividends. No monthly service fee.$100 and up | 0.10% | $10 | Daily balance of $100 to earn dividends. No monthly service fee. |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
Individual Retirement Account
1.01%APY
Available as Traditional, SEP, and Roth IRAs, as well as Coverdell Education Savings accounts. Required minimum balance of $100 to open, daily balance of $100 to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDaily balance of $100 to earn dividends.$100 and up | 1.01% | $101 | Daily balance of $100 to earn dividends. |
Sources (2)
All captured Sep 16, 2026
Who can join Bay Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Santa Cruz, San Benito, or Monterey County are eligible for membership.
Employers and groups
- Sole proprietorships, partnerships, corporations, clubs, non-profits, or other types of businesses physically located or headquartered in Santa Cruz, San Benito, or Monterey County are eligible for membership.
Family and household
- Individuals who have an immediate family member with an account at Bay Federal, or who live in the same residence and maintain a single economic unit with a member, are eligible.
Membership information collected October 5, 2026.