Bayport Credit Union: A Smarter Way to Bank
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BayportCU

Online Banking Enrollment is easy - here's how:

  • In the Username box, enter your Account #.
  • In the Password box, enter your numeric STAR PIN.

If you do not have a STAR PIN or need assistance,
please contact us.

Savings

Planning a trip away? Saving for the holidays? Building an emergency fund for your family? You'll find the savings accounts and options you need with convenient features and valuable benefits. Start planning your financial future today by relying on BayPort Credit Union.

  • Overview
  • Rates
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Vacation Club

Whether it's a family vacation, a romantic getaway or a road trip with friends, you can start planning your journey today by setting aside money on a regular schedule.
  • No minimum opening deposit amount required
  • Choose how much to save and how often to deposit that amount
  • No minimum balance requirements
  • Enjoy up to four free withdrawals every year

Savings Account

Your BayPort Credit Union membership begins with a $5 deposit to open a Share Savings account. It's the gateway to all the valuable products and services we offer.
  • $5 minimum opening deposit
  • Earn dividends to increase your savings
  • Use as overdraft protection for your BayPort checking account
  • Access your funds easily

Christmas Club

Enjoy a festive holiday season without the stress of bills and debt when you save money throughout the year to spend on all your gifts, food and travel. 
  • No minimum opening deposit amount
  • No minimum balance requirements
  • Dividends credited and compounded quarterly
  • One free withdrawal per year

Money Market

Growth and flexibility combine to provide a valuable investment option that enables you to access your money whenever you need it.
  • $25 minimum opening deposit for regular Money Market account
  • Your account earns dividends once you establish a minimum $2,500 balance
  • Dividends are calculated daily and paid monthly
  • Write up to three checks per month and get unlimited withdrawals electronically

Share Certificates

These are perfect for members interested in safe investment options for short periods of time ranging from several months to a few years.
  • Low minimum opening deposit
  • Risk-free way to build your savings balance
  • Earn solid dividends
  • Flexible terms ranging from 91 days to 5 years

Fast Start Savings

For BayPort Credit Union members younger than 25, our Fast Start Savings account provides the opportunity to save money on a monthly basis and understand how the value compounds over time.
  • Open your account with a $5 deposit
  • Earn the highest dividends BayPort has to offer
  • Requires recurring monthly deposits of at least $10
  • One free withdrawal during each calendar quarter
Savings*
Rates Effective: August 8, 2017
AmountDividend RateAnnual Percentage Yield (APY)Minimum Deposit/Opening Balance
$0 - $99.990.00%0.00%$5.00
$100.00 - 1,999.990.15%0.15%$5.00
$2,000.00 and Over0.25%0.25%$5.00
*Youth Savings accounts for members 24 and under will earn highest tiered rate.
Fast Start Savings
Rates Effective: August 8, 2017
AmountDividend RateAnnual Percentage Yield (APY)Minimum Deposit/Opening Balance
$0-$500.004.91%5.00%$5.00
$500.01-$1,999.992.97%3.00%$5.00
$2,000.00 and Over0.25%0.25%$5.00
In this example, if your average daily balance is $2,500, you will earn the tier 1 dividend rate on the first $500, the tier 2 dividend rate on the amount greater than $500 but not exceeding $1,999.99 and the tier 3 dividend rate on the amount greater than $2,000.00.

Club Accounts (Vacation or Christmas)
Rates Effective: August 8, 2017
AmountDividend RateAnnual Percentage Yield (APY)
$0 - $99.990.00%0.00%
$100.00 - $1,999.990.15%0.15%
$2,000.00 and Over0.25%0.25%
Pinnacle Money Market has an opening deposit of $2,500.00. Money Market has an opening of $25.00.
Pinnacle Money Market
Rates Effective: August 8, 2017
Amount on Deposit DailyDividend RateAnnual Percentage Yield
$0 - $2,499.990.00%0.00%
$2,500.00 - $9,999.990.30%0.30%
$10,000.00 - $24,999.990.35%0.35%
$25,000.00 - $49,999.990.40%0.40%
$50,000.00 - $99,999.990.50%0.50%
$100,000.00 and Over0.65%0.65%
Money Market
Rates Effective: August 8, 2017
Amount on Deposit DailyDividend RateAnnual Percentage Yield
$0 - $2,499.990.00%0.00%
$2,500.00 - $9,999.990.30%0.30%
$10,000.00 - $24,999.990.35%0.35%
$25,000.00 - $49,999.990.40%0.40%
$50,000.00 and Over0.45%0.45%
Minimum balance required to open a certificate is $1,000.00. Members under 25 years of age may purchase a 30 month certificate with a minimum balance of $100.00.  Exception: Minimum balance required to open a Special Certificate (11, 25, 39, and 54 month) is $2,500.  Minimum balance to open a 25 month flex certificate is $5,000.00.
Share Certificates - Premier/Select Relationship
Rates Effective: June 20, 2017
TitleDividend RateAnnual Percentage Yield (APY)
11 Months Special0.85%0.85%
19 Months Special1.49%1.50%
39 Months Special1.74%1.75%
54 Months Special1.98%2.00%
91 Day0.55%0.55%
6 Months0.60%0.60%
12 Months0.75%0.75%
18 Months0.75%0.75%
24 Months0.90%0.90%
25 Months Flex*0.95%0.95%
30 Months0.90%0.90%
36 Months1.10%1.11%
48 Months1.20%1.21%
60 Months1.45%1.46%
Share Certificates - Preferred Relationship
Rates Effective: June 20, 2017
TitleDividend RateAnnual Percentage Yield (APY)
11 Months Special0.80%0.80%
19 Months Special1.44%1.45%
39 Months Special1.69%1.70%
54 Months Special1.93%1.95%
91 Day0.50%0.50%
6 Months0.55%0.55%
12 Months0.70%0.70%
18 Months0.70%0.70%
24 Months0.85%0.85%
25 Months Flex*0.95%0.95%
30 Months0.85%0.85%
36 Months1.05%1.06%
48 Months1.15%1.16%
60 Months1.40%1.41%
Share Certificates - Regular
Rates Effective: June 20, 2017
TitleDividend RateAnnual Percentage Yield (APY)
11 Months Special0.55%0.55%
19 Months Special1.19%1.20%
39 Months Special1.44%1.45%
54 Months Special1.68%1.69%
91 Day0.25%0.25%
6 Months0.30%0.30%
12 Months0.45%0.45%
18 Months0.45%0.45%
24 Months0.60%0.60%
25 Months Flex*0.95%0.95%
30 Months0.60%0.60%
36 Months0.80%0.80%
48 Months0.90%0.90%
60 Months1.15%1.16%

Important Account Information

The rates are accurate and effective as of the date indicated above.  Dividend rates and annual percentage yields are subject to change without notice. For additional information regarding your account please refer to our Important Account Information for Our Members brochure and Fee Schedule.  If you have any questions or require rate information please call the Credit Union at 757.928.8850.

*If you qualify for one of the Share Certificate Relationship Rates, your dividend rate will be based on your member relationship at the time of the certificate purchase. If changes to your account, made by you or the Credit Union result in a Classic Relationship status before maturity of your certificate, your dividend rate will revert back to the regular dividend rate in effect at account opening. The rates listed are accurate and effective as of the date indicated above. Dividend rates and Annual Percentage Yields are subject to change without notice. Dividends are compound monthly with the exception of the 91 day Share Certificate, which pays at maturity. Early withdrawal penalties: A penalty and or account closure may be imposed for withdrawals before maturity.

Withdrawal of dividends prior to maturity: The annual percentage yield is based on the assumption that the dividend will remain in the account until maturity. A withdrawal will reduce earnings.

For additional information on your account please refer to your Important Information about Share Certificates, Relationship Certificate Special Disclosure and Fee Schedule. Fees may reduce earnings. If you have any questions or require current rate information please call the Credit Union at 1(800) 928-880 or 1(757) 928-8850. This Credit Union is federally insured by the National Credit Share Insurance Fund.

**11 month special: Automatically renewable account: This account will automatically renew to a 12 month certificate. You may prevent renewal if you withdraw the funds at maturity (or within the grace period mentioned below, if any) or if we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, your funds will be placed in a dividend bearing account. Each renewal term will be the same as the 12 month certificate, beginning on the maturity date. The dividend rate will be the same as we offer on regular new term share certificate accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original term share account. You will have a grace period of five calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. During the five day grace period no dividends will be earned.

***25 month special: Automatically renewable account: This account will automatically renew to a 24 month certificate. You may prevent renewal if you withdraw the funds at maturity (or within the grace period mentioned below, if any) or if we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, your funds will be placed in a dividend bearing account. Each renewal term will be the same as the 24 month certificate, beginning on the maturity date. The dividend rate will be the same as we offer on regular new term share certificate accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original term share account. You will have a grace period of five calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. During the five day grace period no dividends will be earned.

****39 month special: Automatically renewable account: This account will automatically renew to a 36 month certificate. You may prevent renewal if you withdraw the funds at maturity (or within the grace period mentioned below, if any) or if we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, your funds will be placed in a dividend bearing account. Each renewal term will be the same as the 36 month certificate, beginning on the maturity date. The dividend rate will be the same as we offer on regular new term share certificate accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original term share account. You will have a grace period of five calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. During the five day grace period no dividends will be earned.

*****54 month special: Automatically renewable account: This account will automatically renew to a 48-month certificate. You may prevent renewal if you withdraw the funds at maturity (or within the grace period mentioned below, if any) or if we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, your funds will be placed in a dividend bearing account. Each renewal term will be the same as the 48-month certificate, beginning on the maturity date. The dividend rate will be the same as we offer on regular new term share certificate accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original term share account. You will have a grace period of five calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. During the five day grace period no dividends will be earned.

  Vacation Club Savings Account Christmas Club Money Market Share Certificates Fast Start Savings
Minimum opening deposit
None $5 None $25 Varies depending on your age and certificate's term $5
Earns tiered dividends
Yes Yes
(with a minimum of $100)
Yes Yes
(with a minimum $2,500 balance)
Yes Yes
No minimum balance requirement
Yes   Yes     Yes
Your savings federally insured by the National Credit Union Administration
Yes Yes Yes Yes Yes Yes