BayCoast Bank CD Rates — October 2026
As of October 22, 2026, BayCoast Bank's highest tracked CD rate is 3.55% APY on a 15-month promotional CD ($500 minimum). That is 2.0 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.20% to 0.70% APY.
Tracking began .
BayCoast Bank CD rates
Statement CDs, including the 15-month CD special; $500 to open and $10 to earn the APY. Standard term ranges are shown at their lower bound. The IRA special is excluded. Early withdrawal penalties may apply.
| Term | Product | APY |
|---|---|---|
| 6 months | Certificate of Deposit (CD) - Statement | 0.20%Top 96% · $10k reference sampleVerified October 22, 2026 |
| 12 months | Certificate of Deposit (CD) - Statement | 0.35%Top 95% · $10k reference sampleVerified October 22, 2026 |
| 15 months | 15 Month Statement CD Special Promotional | 3.55%Verified October 22, 2026 |
| 24 months | Certificate of Deposit (CD) - Statement | 0.40%Top 93% · $10k reference sampleVerified October 22, 2026 |
| 36 months | Certificate of Deposit (CD) - Statement | 0.50%Top 90% · $10k reference sampleVerified October 22, 2026 |
| 48 months | Certificate of Deposit (CD) - Statement | 0.70%Top 90% · $10k reference sampleVerified October 22, 2026 |
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.
Watch the renewal rate
The best promotional rate here is 3.55% APY (15 months). The standard rate for a similar term is 0.35% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $320 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are BayCoast Bank's best CD rates by term?
BayCoast Bank's best rate is 3.55% APY on 15 months, verified October 22, 2026.
- 6 mo0.20%
- 12 mo0.35%
- 15 mo3.55%
- 24 mo0.40%
- 36 mo0.50%
- 48 mo0.70%
How much interest could a BayCoast Bank 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.
$445.45 interest · $10,445.45 at maturity on $10,000.00.
3.55% APY · 15 months · 15 Month Statement CD Special · Promotional · 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 |
|---|---|---|---|---|
| 6 months | $5.010.20% APY · Certificate of Deposit (CD) - Statement · Standard | $10.020.20% APY · Certificate of Deposit (CD) - Statement · Standard | $25.060.20% APY · Certificate of Deposit (CD) - Statement · Standard | $50.110.20% APY · Certificate of Deposit (CD) - Statement · Standard |
| 12 months | $17.500.35% APY · Certificate of Deposit (CD) - Statement · Standard | $35.000.35% APY · Certificate of Deposit (CD) - Statement · Standard | $87.500.35% APY · Certificate of Deposit (CD) - Statement · Standard | $175.000.35% APY · Certificate of Deposit (CD) - Statement · Standard |
| 15 months | $222.733.55% APY · 15 Month Statement CD Special · Promotional | $445.453.55% APY · 15 Month Statement CD Special · Promotional | $1,113.633.55% APY · 15 Month Statement CD Special · Promotional | $2,227.263.55% APY · 15 Month Statement CD Special · Promotional |
| 24 months | $40.080.40% APY · Certificate of Deposit (CD) - Statement · Standard | $80.160.40% APY · Certificate of Deposit (CD) - Statement · Standard | $200.400.40% APY · Certificate of Deposit (CD) - Statement · Standard | $400.800.40% APY · Certificate of Deposit (CD) - Statement · Standard |
| 36 months | $75.380.50% APY · Certificate of Deposit (CD) - Statement · Standard | $150.750.50% APY · Certificate of Deposit (CD) - Statement · Standard | $376.880.50% APY · Certificate of Deposit (CD) - Statement · Standard | $753.760.50% APY · Certificate of Deposit (CD) - Statement · Standard |
| 48 months | $141.480.70% APY · Certificate of Deposit (CD) - Statement · Standard | $282.950.70% APY · Certificate of Deposit (CD) - Statement · Standard | $707.380.70% APY · Certificate of Deposit (CD) - Statement · Standard | $1,414.770.70% APY · Certificate of Deposit (CD) - Statement · Standard |
How BayCoast Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 456-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 35 of 51 tracked institutions with fresh 456-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 | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| BayCoast Bank (this institution)15 Month Statement CD Special · Promotional | 15 months | $500 | Coverage: MA, RI | 3.55% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 15 months | $2,500 | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| The Village BankCD · Standard | 15 months | $500 | Coverage: MA | 4.50% | October 22, 2026 |
| Metro Credit Union (Massachusetts)New Money CD · Special | 15 months | $500 | Coverage: MA | 4.40% | October 22, 2026 |
| Community First Credit Union (highest tracked APY for this term)CD Special: Pick Your Term · Promotional | 15 months | $5,000 | Coverage: WI | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 15 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.65% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking BayCoast Bank on October 22, 2026.
About BayCoast Bank
- Legal name
- BayCoast Bank
- Regulator ID
- FDIC 90196
- Headquarters
- Swansea, MA
- Available in
- MA, RI
- Total assets
- $2.9 billion
- Also known as
- Website
- www.baycoast.bank
Source: rates read from https://baycoast.bank/en/rates/deposit-rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at BayCoast Bank?
Among the rates we track, 3.55% APY on a 15-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a BayCoast Bank CD?
The lowest minimum we found is $500.
How does BayCoast Bank's best CD rate compare with Treasury yields?
3.55% APY is −1.10% versus the 15-month Treasury yield of 4.65% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.55% a good CD rate?
It is 2.0 times the FDIC national average for a similar term (1.76% 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 BayCoast Bank CDs insured?
BayCoast Bank is an FDIC-insured bank (FDIC 90196). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check BayCoast Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from BayCoast Bank's website and may change at any time. Confirm terms, minimums and eligibility with BayCoast Bank before opening an account. This page is not financial advice.