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Source: https://baycoast.bank/en/rates/deposit-rates/
Read: 2026-10-22T16:21:12.000Z

Deposit Rates | Effective Interest Rates | BayCoast Bank | BayCoast Bank Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view, download Adobe® Acrobat Reader (opens in new window) .
Account Title | Interest Rate | APY | Minimum Balance to Open Account | Minimum Balance to Obtain APY
Statement Savings | 0.10% | 0.10% | $10.00 | $10.00
Savings Club | 0.10% | 0.10% | $5.00 | $10.00
IRA Statement Savings | 0.10% | 0.10% | $10.00 | $10.00
Account Title | Interest Rate | APY | Minimum Balance to Open Account | Minimum Balance to Obtain APY
Active Checking ¹ Base Rate Qualified Rate | 0.05% 0.15% 0.10% | 0.05% 0.15% Range From 0.15% to 0.10% | $500.00 | $0.01 $0.01 Portion in Excess of $25,000.00
Preferred Checking | 0.10% | 0.10% | $10.00 | $500.00
Account Title | Interest Rate | APY | Minimum Balance to Open Account | Minimum Balance to Obtain APY
Consumer Money Market | | | $1,000.00
Tier 1 | 0.10% | 0.10% | | $1,000.00
Tier 2 | 0.10% | 0.10% | | $10,000.00
Tier 3 | 0.15% | 0.15% | | $50,000.00
Tier 4 | 0.20% | 0.20% | | $100,000.00
Tier 5 | 0.20% | 0.20% | | $250,000.00
Account Title | Interest Rate | APY | Minimum Balance to Open Account | Minimum Balance to Obtain APY
Business Money Market Access | | | $1,000.00 | $10.00
Tier 1 | 0.10% | 0.10% | | $1,000.00
Tier 2 | 0.10% | 0.10% | | $10,000.00
Tier 3 | 0.15% | 0.15% | | $50,000.00
Tier 4 | 0.20% | 0.20% | | $100,000.00
Tier 5 | 0.20% | 0.20% | | $250,000.00
Account Term | Interest Rate | APY | Minimum Balance to Open Account | Minimum Balance to Obtain APY
6 Months – Less than 1 Year Statement | 0.20% | 0.20% | $500.00 | $10.00
15 Month Statement CD Special* | 3.49% | 3.55% | $500.00 | $10.00
12-23 Month Statement | 0.35% | 0.35% | $500.00 | $10.00
24-35 Month Statement | 0.40% | 0.40% | $500.00 | $10.00
3 – Less than 4 Year Statement | 0.50% | 0.50% | $500.00 | $10.00
4 – 5 Year Statement | 0.70% | 0.70% | $500.00 | $10.00
Account Term | Interest Rate | APY | Minimum Balance to Open Account | Minimum Balance to Obtain APY
6 Months – Less than 1 Year Statement | 0.20% | 0.20% | $500.00 | $10.00
15 Month Statement IRA CD Special* | 3.49% | 3.55% | $500.00 | $10.00
12-23 Month Statement | 0.35% | 0.35% | $500.00 | $10.00
24-35 Month Statement | 0.40% | 0.40% | $500.00 | $10.00
3 – Less than 4 Year Statement | 0.50% | 0.50% | $500.00 | $10.00
4 – 5 Year Statement | 0.70% | 0.70% | $500.00 | $10.00
APY refers to Annual Percentage Yield. All interest rates and APYs are accurate as of the date above and are subject to change without notice. The APY applies when the required minimum balance and interest are kept on deposit for one year. For all Savings, Checking, Money Market, and Business Money Market Accounts, rate may change after the account is opened. All CDs above are fixed rate CDs with interest rates that may change at the end of the account term. Interest is compounded and credited monthly on all accounts. Maintenance or activity fees may reduce earnings. CDs are subject to a penalty for early withdrawal.
All deposits are 100% insured. All deposit amounts above FDIC insurance limits are insured in full by the DIF.