Bank · FDIC insured
BayCoast Bank Savings Rates
BayCoast Bank’s best savings rate is 0.10% APY on $10,000, with its Consumer Money Market. Rates checked October 15, 2026.
How BayCoast Bank’s savings rates compare
Compared with banks and credit unions near Providence, RI-MA, where BayCoast Bank has the most branches. $10,000, best rate first.
This bank’s best
BayCoast Bank
0.10%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $10
Consumer Money Market
Top rate
St. Anne's Credit Union
4.95%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $495
2nd-highest rate
Alltrust Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $400
BayCoast Bank savings score
65
Savings score
Higher than 14% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.10%
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 BayCoast Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Consumer Money Market
0.10%APY
Rate may change after the account is opened. Interest is compounded and credited monthly. Maintenance or activity fees may reduce earnings. Monthly maintenance service charge of $5 waived if an average daily balance of $1,000 is maintained.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upTier 1. Monthly maintenance service charge of $5 waived if maintain average daily balance of $1,000. | 0.10% | $10 | Tier 1. Monthly maintenance service charge of $5 waived if maintain average daily balance of $1,000. |
| $10,000 and upTier 2. Monthly maintenance service charge of $5 waived if maintain average daily balance of $1,000. | 0.10% | $10 | Tier 2. Monthly maintenance service charge of $5 waived if maintain average daily balance of $1,000. |
| $50,000 and upTier 3. Monthly maintenance service charge of $5 waived if maintain average daily balance of $1,000. | 0.15% | — | Tier 3. Monthly maintenance service charge of $5 waived if maintain average daily balance of $1,000. |
| $100,000 and upTier 4. Monthly maintenance service charge of $5 waived if maintain average daily balance of $1,000. | 0.20% | — | Tier 4. Monthly maintenance service charge of $5 waived if maintain average daily balance of $1,000. |
| $250,000 and upTier 5. Monthly maintenance service charge of $5 waived if maintain average daily balance of $1,000. | 0.20% | — | Tier 5. Monthly maintenance service charge of $5 waived if maintain average daily balance of $1,000. |
Statement Savings
0.10%APY
No monthly maintenance service charge if average daily balance of $10.00 is maintained. Free 24 hour banking with Telephone Banking and Online Banking.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upInterest compounded and credited monthly on balances of $10.00 or more.$10 and up | 0.10% | $10 | Interest compounded and credited monthly on balances of $10.00 or more. |
Sources (3)
- baycoast.bank/en/personal/savings
- baycoast.bank/en/personal/savings/statement-savings
- baycoast.bank/en/rates/deposit-rates
All captured Oct 5, 2026
Special-purpose accounts
IRA Statement Savings
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upInterest compounded and credited monthly. Rate may change after account is opened.$10 and up | 0.10% | $10 | Interest compounded and credited monthly. Rate may change after account is opened. |
Sources (1)
- baycoast.bank/en/rates/deposit-rates · captured Oct 5, 2026
Savings Club
0.10%APY
Set up automatic monthly deposits and customize disbursement date. Funds automatically transferred to another BayCoast account at end of term, or mailed as a check minus a $5.00 processing fee if automatic transfers are not set up.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upSpecial interest rate on $10.00 or more, compounded and credited monthly.$10 and up | 0.10% | $10 | Special interest rate on $10.00 or more, compounded and credited monthly. |
Sources (3)
- baycoast.bank/en/personal/savings
- baycoast.bank/en/personal/savings/savings-club
- baycoast.bank/en/rates/deposit-rates
All captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.