# BayCoast Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/baycoast-bank
Institution: BayCoast Bank (FDIC 90196)
Aliases: 
Status: live
Last verified: 2026-10-22T16:21:12.000Z (October 22, 2026)
Official source: https://baycoast.bank/en/rates/deposit-rates/
Coverage: 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.
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 of Deposit (CD) - Statement | standard | 6 months | $500 | 0.20% | Not ZIP-priced | −4.20% | 2026-10-22T16:21:12.000Z | [Snapshot 316](https://apyledger.com/snapshots/316) |
| Certificate of Deposit (CD) - Statement | standard | 12 months | $500 | 0.35% | Not ZIP-priced | −4.22% | 2026-10-22T16:21:12.000Z | [Snapshot 316](https://apyledger.com/snapshots/316) |
| 15 Month Statement CD Special | promotional | 15 months | $500 | 3.55% | Not ZIP-priced | −1.10% | 2026-10-22T16:21:12.000Z | [Snapshot 316](https://apyledger.com/snapshots/316) |
| Certificate of Deposit (CD) - Statement | standard | 24 months | $500 | 0.40% | Not ZIP-priced | −4.47% | 2026-10-22T16:21:12.000Z | [Snapshot 316](https://apyledger.com/snapshots/316) |
| Certificate of Deposit (CD) - Statement | standard | 36 months | $500 | 0.50% | Not ZIP-priced | −4.45% | 2026-10-22T16:21:12.000Z | [Snapshot 316](https://apyledger.com/snapshots/316) |
| Certificate of Deposit (CD) - Statement | standard | 48 months | $500 | 0.70% | Not ZIP-priced | −4.28% | 2026-10-22T16:21:12.000Z | [Snapshot 316](https://apyledger.com/snapshots/316) |

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.