Bay Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Bay Federal Credit Union's highest tracked CD (share certificate) rate is 3.92% APY on a 60-month CD ($100,000 minimum). That is 2.8 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 2.79% to 3.92% APY.
Tracking began .
With $10,000 and no relationship requirement: 3.82% on 60 months
Bay Federal Credit Union CD & share certificate rates
Membership required. Certificates from 3 months to 5 years with $1,000–$99,999 and $100,000+ tiers. Early withdrawal penalties may apply.
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Bay Federal Credit Union's best CD rates by term?
Bay Federal Credit Union's best rate is 3.92% APY on 60 months, verified October 22, 2026.
- 3 mo2.89%
- 6 mo3.15%
- 12 mo3.41%
- 18 mo3.46%
- 24 mo3.51%
- 36 mo3.56%
- 48 mo3.67%
- 60 mo3.92%
How much interest could a Bay Federal Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$2,061.61 interest · $12,061.61 at maturity on $10,000.00.
3.82% APY · 60 months · Certificate · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $34.422.79% APY · Certificate · Standard | $68.842.79% APY · Certificate · Standard | $172.112.79% APY · Certificate · Standard | $344.212.79% APY · Certificate · Standard |
| 6 months | $75.893.05% APY · Certificate · Standard | $151.773.05% APY · Certificate · Standard | $379.433.05% APY · Certificate · Standard | $758.863.05% APY · Certificate · Standard |
| 12 months | $165.003.30% APY · Certificate · Standard | $330.003.30% APY · Certificate · Standard | $825.003.30% APY · Certificate · Standard | $1,650.003.30% APY · Certificate · Standard |
| 18 months | $253.583.35% APY · Certificate · Standard | $507.163.35% APY · Certificate · Standard | $1,267.903.35% APY · Certificate · Standard | $2,535.803.35% APY · Certificate · Standard |
| 24 months | $346.813.41% APY · Certificate · Standard | $693.633.41% APY · Certificate · Standard | $1,734.073.41% APY · Certificate · Standard | $3,468.143.41% APY · Certificate · Standard |
| 36 months | $537.163.46% APY · Certificate · Standard | $1,074.333.46% APY · Certificate · Standard | $2,685.823.46% APY · Certificate · Standard | $5,371.653.46% APY · Certificate · Standard |
| 48 months | $750.933.56% APY · Certificate · Standard | $1,501.863.56% APY · Certificate · Standard | $3,754.663.56% APY · Certificate · Standard | $7,509.313.56% APY · Certificate · Standard |
| 60 months | $1,030.803.82% APY · Certificate · Standard | $2,061.613.82% APY · Certificate · Standard | $5,154.013.82% APY · Certificate · Standard | $10,308.033.82% APY · Certificate · Standard |
How Bay Federal Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1825-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 83 of 332 tracked institutions with fresh 1825-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Bay Federal Credit Union (this institution)Certificate · Standard | 60 months | $100,000 | Membership required · branches in CA | 3.92% | October 22, 2026 |
| Popular DirectCD · Standard | 60 months | $10,000 | Available nationwide | 5.00% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 60 months | Not stated | Available nationwide | 4.80% | October 22, 2026 |
| BarclaysOnline CD · Standard | 60 months | Not stated | Available nationwide | 4.75% | October 22, 2026 |
| Tower Federal Credit Union (highest tracked APY for this term)Mini-Jumbo Share Certificate · Standard | 60 months | $20,000 | Membership required · branches in MD | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 60 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 5.01% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Bay Federal Credit Union on October 22, 2026.
About Bay Federal Credit Union
- Legal name
- Bay Federal Credit Union
- Regulator ID
- NCUA 12067
- Headquarters
- Capitola, CA
- Available in
- CA
- Total assets
- $1.9 billion
- Also known as
- Website
- www.bayfed.com
Source: rates read from https://www.bayfed.com/rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Bay Federal Credit Union?
Among the rates we track, 3.92% APY on a 60-month CD, as of October 22, 2026.
What is the minimum deposit for a Bay Federal Credit Union CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $100,000.
How does Bay Federal Credit Union's best CD rate compare with Treasury yields?
3.92% APY is −1.09% versus the 60-month Treasury yield of 5.01% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.92% a good CD rate?
It is 2.8 times the FDIC national average for a similar term (1.41% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Bay Federal Credit Union CDs insured?
Bay Federal Credit Union is a federally insured credit union (NCUA 12067). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Bay Federal Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Bay Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Bay Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Bay Federal Credit Union before opening an account. This page is not financial advice.