Share Certificates

You can benefit from higher dividend earnings when you open a Share Certificate. These saving opportunities are available for terms of 91 days as well as 6, 12, 18, 24, 30, 36, 48, and 60 months with a $1,000 minimum deposit. Members under 25 years old may purchase a 30 month certificate with a minimum balance of $100. BayPort Credit Union also offers specials on Share certificates. See rate information for available specials.

Flex Certificate

Purchase a 25-month Flex Certificate and adjust the rate of your certificate one time during its term or add up to 25% of the original dollar amount of the certificate or withdraw up to 25% of the original dollar amount with no penalty.

One time option to bump-up the rate. The bump-up rate will match rate currently in effect for a 24-month certificate term at the time this option is exercised. The new dividend rate will not be applied retroactively. One time additional deposit to the principal of 25% of the original purchase amount of the certificate or $25,000 (lesser of or equal to). One time penalty-free withdrawal equal to 25% of the original purchase amount of the certificate or $25,000 of the original purchase amount of the certificate (lessor of or equal to). A penalty and/or account closure may be imposed for additional withdrawals before maturity. Minimum balance requirement must be maintained. Minimum deposit $5,000.

• low minimum opening deposit
• risk-free way to save
• earn attractive dividends (See below for rates)