Bay Federal Credit Union

Business Deposit Rates

Business Deposit
Checking Savings Money Market Savings Titanium Savings Certificates

BayBusiness Plus Checking

Rates Effective: 12/19/2024
Rate APY*
$2,500+ 0.05% 0.05%
Required minimum balance: $50 to open the account, and a $2,500 daily balance to earn dividends, $2,500 daily balance to avoid monthly $15 service charge.

Business Savings Accounts

Rates Effective: 12/19/2024
Rate APY*
$100+ 0.10% 0.10%
Required minimum balance: $5 to open the account, $100 daily balance to earn dividends.

Business Money Market Savings

Rates Effective: 12/19/2024
Rate APY*
$5 - 2,500 3.00% 3.05%
$2,500+ 1.50% 1.51%
Required minimum balance: $5 to open the account, $5 daily balance to earn dividends. A $2,500 balance earns a blended rate of 3.04% APY. A $10,000 balance earns a blended rate of 1.89% APY. A $25,000 balance earns a blended rate of 1.66% APY.

Business Titanium Savings Accounts

Rates Effective: 12/19/2024
Rate APY*
$100 - 25,000 0.75% 0.75%
$25,000 - 50,000 2.00% 2.02%
$50,000+ 2.25% 2.28%
Required minimum balance: $5 to open the account, and $100 daily balance to earn dividends.

Business Certificates

Rates Effective: 12/19/2024
Term Rate APY*
$1,000 - 99,999 3-Month Certificate 2.75% 2.79%
6-Month Certificate 3.25% 3.30%
1-Year Certificate 3.50% 3.56%
18-Month Certificate 3.75% 3.82%
2-Year Certificate 3.80% 3.87%
3-Year Certificate 3.80% 3.87%
4-Year Certificate 3.80% 3.87%
5-Year Certificate 3.80% 3.87%
$100,000+ 3-Month Certificate 2.85% 2.89%
6-Month Certificate 3.35% 3.41%
1-Year Certificate 3.60% 3.67%
18-Month Certificate 3.85% 3.92%
2-Year Certificate 3.90% 3.98%
3-Year Certificate 3.90% 3.98%
4-Year Certificate 3.90% 3.98%
5-Year Certificate 3.90% 3.98%

NOTE: For all accounts, except Certificate Accounts, dividends are paid from current and available earnings, after required transfers to reserves at the end of the dividend period. Fees or other conditions could reduce earnings on any of the accounts listed. For all Business Checking, Savings, Money Market Savings, and IRAs, the prospective Rate and prospective Annual Percentage Yield (APY) are set forth above. The Rate and APY on Savings, and IRA Accounts may change monthly as determined by the Board of Directors. The Rate and APY on Money Market Savings, Business Titanium Savings and Certificate Accounts may change daily. The Rate and APY for each Certificate Account are set forth above. If a Certificate Account were opened, the applicable Rate and APY set forth above would be paid for the length of the term listed for such account. A substantial penalty may be imposed for early withdrawal on any Certificate Account. For purposes of this disclosure, the Rate and APY were accurate as of the effective date listed above. Please call 831.479.6000 to obtain current rate information, or visit our website at www.bayfed.com.

* Annual Percentage Yield

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