# Bay Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/bay-federal-credit-union
Institution: Bay Federal Credit Union (NCUA 12067)
Aliases: 
Status: live
Last verified: 2026-10-23T02:09:27.000Z (October 22, 2026)
Official source: https://www.bayfed.com/rates
Coverage: Membership required. Certificates from 3 months to 5 years with $1,000–$99,999 and $100,000+ tiers. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate | standard | 3 months | $100,000 | 2.89% | Not ZIP-priced | −1.40% | 2026-10-23T02:09:27.000Z | [Snapshot 830](https://apyledger.com/snapshots/830) |
| Certificate | standard | 3 months | $1,000 | 2.79% | Not ZIP-priced | −1.50% | 2026-10-23T02:09:27.000Z | [Snapshot 830](https://apyledger.com/snapshots/830) |
| Certificate | standard | 6 months | $100,000 | 3.15% | Not ZIP-priced | −1.25% | 2026-10-23T02:09:27.000Z | [Snapshot 830](https://apyledger.com/snapshots/830) |
| Certificate | standard | 6 months | $1,000 | 3.05% | Not ZIP-priced | −1.35% | 2026-10-23T02:09:27.000Z | [Snapshot 830](https://apyledger.com/snapshots/830) |
| Certificate | standard | 12 months | $100,000 | 3.41% | Not ZIP-priced | −1.16% | 2026-10-23T02:09:27.000Z | [Snapshot 830](https://apyledger.com/snapshots/830) |
| Certificate | standard | 12 months | $1,000 | 3.30% | Not ZIP-priced | −1.27% | 2026-10-23T02:09:27.000Z | [Snapshot 830](https://apyledger.com/snapshots/830) |
| Certificate | standard | 18 months | $100,000 | 3.46% | Not ZIP-priced | −1.26% | 2026-10-23T02:09:27.000Z | [Snapshot 830](https://apyledger.com/snapshots/830) |
| Certificate | standard | 18 months | $1,000 | 3.35% | Not ZIP-priced | −1.37% | 2026-10-23T02:09:27.000Z | [Snapshot 830](https://apyledger.com/snapshots/830) |
| Certificate | standard | 24 months | $100,000 | 3.51% | Not ZIP-priced | −1.36% | 2026-10-23T02:09:27.000Z | [Snapshot 830](https://apyledger.com/snapshots/830) |
| Certificate | standard | 24 months | $1,000 | 3.41% | Not ZIP-priced | −1.46% | 2026-10-23T02:09:27.000Z | [Snapshot 830](https://apyledger.com/snapshots/830) |
| Certificate | standard | 36 months | $100,000 | 3.56% | Not ZIP-priced | −1.39% | 2026-10-23T02:09:27.000Z | [Snapshot 830](https://apyledger.com/snapshots/830) |
| Certificate | standard | 36 months | $1,000 | 3.46% | Not ZIP-priced | −1.49% | 2026-10-23T02:09:27.000Z | [Snapshot 830](https://apyledger.com/snapshots/830) |
| Certificate | standard | 48 months | $100,000 | 3.67% | Not ZIP-priced | −1.31% | 2026-10-23T02:09:27.000Z | [Snapshot 830](https://apyledger.com/snapshots/830) |
| Certificate | standard | 48 months | $1,000 | 3.56% | Not ZIP-priced | −1.42% | 2026-10-23T02:09:27.000Z | [Snapshot 830](https://apyledger.com/snapshots/830) |
| Certificate | standard | 60 months | $100,000 | 3.92% | Not ZIP-priced | −1.09% | 2026-10-23T02:09:27.000Z | [Snapshot 830](https://apyledger.com/snapshots/830) |
| Certificate | standard | 60 months | $1,000 | 3.82% | Not ZIP-priced | −1.19% | 2026-10-23T02:09:27.000Z | [Snapshot 830](https://apyledger.com/snapshots/830) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.