Rates

BayPort Credit Union offers competitive rates on our products so you can feel confident your choices will position you for a more secure financial future.

Loans / Mortgages / Home Equity / Credit Cards / Deposits / Share Certificates / IRA Certificates / Money Market

Loan Rates
Rates Effective: October 13, 2020

New/Used Vehicles/Motorcycles - Up to 6 years old

A $10,000 loan at 2.99% APR for 48 months would have a monthly payment of $221.30.
Approx. Term (Months)Daily Periodic Rate (%)APR as low asAPR up to 
12-480.0079 - 0.04932.89%*17.99%*Apply now ▸
49-600.0082 - 0.04932.99%*17.99%*Apply now ▸
61-660.0094 - 0.04933.44%*17.99%*Apply now ▸
67-750.0098 - 0.04933.59%*17.99%*Apply now ▸
76-840.0144 - 0.04935.24%*17.99%*Apply now ▸

Used Vehicles/Motorcycles - Over 6 years old

A $10,000 loan at 3.99% APR for 48 months would have a monthly payment of $225.75.
Approx. Term (Months)Daily Periodic Rate (%)APR as low asAPR up to 
12-480.0107 - 0.05203.89%*18.99%*Apply now ▸
49-600.0109 - 0.05203.99%*18.99%*Apply now ▸
61-660.0122 - 0.05204.44%*18.99%*Apply now ▸
67-750.0126 - 0.05204.59%*18.99%*Apply now ▸
76-840.0171 - 0.05206.24%*18.99%*Apply now ▸

New/Used Recreational Vehicles

A $10,000 loan at 5.15% APR for 60 months would have a monthly payment of $189.41.
Approx. Term (Months)Daily Periodic Rate (%)APR as low asAPR up to 
12-480.0120 - 0.05344.39%*19.49%*Apply now ▸
49-600.0123 - 0.05344.49%*19.49%*Apply now ▸
61-660.0135 - 0.05344.94%*19.49%*Apply now ▸
67-750.0139 - 0.05345.09%*19.49%*Apply now ▸
76-840.0185 - 0.05346.74%*19.49%*Apply now ▸
85-1200.0198 - 0.05347.24%*19.49%*Apply now ▸
121-1800.0212 - 0.05347.74%*19.49%*Apply now ▸

New/Used Motor Homes

A $10,000 loan at 5.15% APR for 60 months would have a monthly payment of $189.41.
Approx. Term (Months)Daily Periodic Rate (%)APR as low asAPR up to 
12-480.0120 - 0.05344.39%*19.49%*Apply now ▸
49-600.0123 - 0.05344.49%*19.49%*Apply now ▸
61-660.0135 - 0.05344.94%*19.49%*Apply now ▸
67-750.0139 - 0.05345.09%*19.49%*Apply now ▸
76-840.0185 - 0.05346.74%*19.49%*Apply now ▸
85-1200.0198 - 0.05347.24%*19.49%*Apply now ▸
121-1800.0212 - 0.05347.74%*19.49%*Apply now ▸

New/Used Boats

A $10,000 loan at 5.15% APR for 60 months would have a monthly payment of $189.41.
Approx. Term (Months)Daily Periodic Rate (%)APR as low asAPR up to 
12-480.0120 - 0.05344.39%*19.49%*Apply now ▸
49-600.0123 - 0.05344.49%*19.49%*Apply now ▸
61-660.0135 - 0.05344.94%*19.49%*Apply now ▸
67-750.0139 - 0.05345.09%*19.49%*Apply now ▸
76-840.0185 - 0.05346.74%*19.49%*Apply now ▸
85-1200.0198 - 0.05347.24%*19.49%*Apply now ▸
121-1800.0212 - 0.05347.74%*19.49%*Apply now ▸

Personal Loans

A $15,000 loan at 8.99% APR for 60 months would have a monthly payment of $311.31.
Type of LoanApprox. Term (Months)Daily Periodic Rate (%)APR up to 
FlexLine Line of Creditn/a0.0246 - 0.04798.99% - 17.49%*Apply now ▸
Personal Loanup to 600.0246 - 0.04938.99% - 17.99%*Apply now ▸
Savings Securedup to 240.00752.75%
Share Certificate Securedup to share certificate termshare certificate rate + 2.50%share certificate rate + 2.50%
Vacation Club Securedup to 240.00752.75%

Penalties

Late Payment Fee: If not received within 10 days after your due date, you will be charged a 5.00% late fee on any unpaid portion of your loan payment amount.
Return Payment Fee: If your payment is returned to us, you will be charged $29.00 for each returned payment.

Rates shown include all Member Relationship Discounts APRs.
APR = Annual Percentage Rate
Rates and terms are based on your creditworthiness. Certain restrictions may apply.
Rates and terms are subject to change without notice.

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Mortgage Rates
Rates Effective: October 20, 2020

Fixed Rate Mortgages - Conventional Loans

Purchase & Rate Term Refinance 97% Max LTV - Max LTV 80% for Cash-out Refinance*
TermOrigination FeePointsRateAPR 
30 years0%02.875%2.8750%Apply now ▸
0%1.1252.50%2.5862%Apply now ▸
15 years0%02.625%2.6250%Apply now ▸
0%1.502.125%2.3375%Apply now ▸

The above rates can vary due to member’s credit score, loan amount, loan to value, and loan type.

Fixed Rate Mortgages - VA Loans

100% LTV - 90% LTV Cash-out Refinance
TermOrigination FeePointsRateAPR 
30 years0%02.25%2.2500%Apply now ▸

Fixed Rate Mortgages - FHA Loans

96.5% LTV - 80% LTV Cash-out Refinance
TermOrigination FeePointsRateAPR 
30 years0%03.125%3.1250%Apply now ▸

First Mortgages**

TermOrigination Fee95% LTV RateAPRMargin 
30 yrs (3 yr ARM)1%2.75%2.8277%2.75%Apply now ▸
20 yrs (3 yr ARM)1%2.50%2.6095%2.50%Apply now ▸
15 yrs (3 yr ARM)1%2.25%2.3917%2.25%Apply now ▸
10 yrs (3 yr ARM)1%2.25%2.4579%2.25%Apply now ▸

30-Year Jumbo ARM

Purchase & Rate Term Refinance 80% Max LTV - Max LTV 80% for Cash-out Refinance with 0.75% rate adjustment*
TermOrigination FeeRateAPRMargin 
30 yrs (3 yr ARM)0.000%3.75%3.7500%2.75%Apply now ▸
30 yrs (3 yr ARM)0.50%3.625%3.6657%2.75%Apply now ▸
30 yrs (3 yr ARM)0.875%3.50%3.5709%2.75%Apply now ▸
30 yrs (3 yr ARM)1.375%3.375%3.4859%2.75%Apply now ▸
30 yrs (3 yr ARM)1.75%3.25%3.3906%2.75%Apply now ▸

Unimproved Property

Maximum 85% LTV
TermOrigination FeeRateAPRMargin 
10 yrs (3 yr ARM)1%7.25%7.4781%3.50%Apply now ▸
10 yrs (Fixed)1%7.50%7.7292%Apply now ▸
15/2 yr Balloon Fixed for 2 yrs1%6.00%6.1575%Apply now ▸
15/3 yr Balloon Fixed for 3 yrs1%6.25%6.4085%Apply now ▸
15/5 yr Balloon Fixed for 5 yrs1%6.625%6.7853%Apply now ▸
15/10 yr Balloon Fixed for 10 yrs1%7.75%7.9156%Apply now ▸
20/5 yr Balloon Fixed for 5 yrs1%6.75%6.8799%Apply now ▸
30/5 yr Balloon Fixed for 5 yrs1%7.00%7.0999%Apply now ▸

Double Wide Mobile Homes

Maximum 85% LTV***
TermOrigination FeeRateAPRMargin 
30 yrs (3 yr ARM)1%4.00%4.0835%2.75%Apply now ▸
20 yrs (3 yr ARM)1%3.875%3.9903%2.50%Apply now ▸
15 yrs (3 yr ARM)1%3.75%3.8977%2.25%Apply now ▸
10 yrs (3 yr ARM)1%3.75%3.8977%2.25%Apply now ▸

Single Wide Mobile Homes

Maximum 75% LTV***
TermOrigination FeeRateAPRMargin 
15 yrs (3 yr ARM)1%4.00%4.0835%2.25%Apply now ▸
10 yrs (3 yr ARM)1%4.00%4.0835%2.25%Apply now ▸

Construction/Permanent Loans for New Homes

Maximum 85% LTV - Simple Interest Loans
TermOrigination FeeRateAPRMargin 
30 yrs (3 yr ARM)1.50%2.75%2.8669%2.75%Apply now ▸
20 yrs (3 yr ARM)1.50%2.50%2.6649%2.50%Apply now ▸
15 yrs (3 yr ARM)1.50%2.25%2.4633%2.25%Apply now ▸
10 yrs (3 yr ARM)1.50%2.25%2.5628%2.25%Apply now ▸

All adjustable-rate mortgages are three-year (3) adjustables. This means that the interest rate for the loan may adjust at the end of each three-year interval after closing. The index rate for the adjustment is the weekly average yield on U.S. Treasury Securities adjusted to a constant maturity of three (3) years, plus our margin rounded to the nearest 1/8%. Information about the index is published weekly in the Federal Reserve Statistical Release H.15. Information regarding the margin that will apply to the loan requested will be provided on the ARM Disclosure that will be mailed within three (3) days of application. These adjustable-rate mortgage rates will not increase or decrease by more than 1% from the preceding three-year (3) interest rate at each adjustment interval. Interest rates may increase or decrease by a maximum of 5% over the life of the loan or the number of adjustment intervals–whichever is less (e.g. A 15-year loan will only go through four (4) adjustments hence 4% is the maximum rate increase or decrease). The repayment schedule at the time of the rate change will be based on the remaining term left on the loan.

*Loans with a Loan to Value (LTV) in excess of 80% will be required to have Private Mortgage Insurance (PMI) coverage. The borrower will pay the PMI premiums.

**Loans in excess of 85.0% LTV will require Private Mortgage Insurance (PMI) and must meet those underwriting guidelines. The borrower will pay the PMI premiums (First Mortgages only).

***Mobile Homes must be on a permanent foundation of brick or cinderblock all the way around the base of the home and wheels, axles & hitches removed.

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Washington, D.C. Regional Office, Room 810, 8th Floor, Bicentennial Building, 600 E. Street, N.W., Washington, D.C. 20580. Interest rates are subject to change from time to time.

Interest rates do not include pricing adjustments for loan to value, occupancy type, loan amounts, purpose, and credit score. Rates are subject to change without notice and multiple times per day. Check with the Mortgage Department for the most current mortgage loan rates.

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Home Equity Rates
Rates Effective: May 1, 2020

Home Equity Line of Credit

TermRateCombined Loan to Value (CLTV) 
10-year Draw / 25-year TermPrime + 090% or lessApply now ▸
Prime + .25%90.01% - 100% CLTV*Apply now ▸
2-year Draw / 12-year Term3.79% Fixed90% or lessApply now ▸
Interest-only first 2 years4.09% Fixed90.01% - 100%CLTV*Apply now ▸
2-year Draw / 17-year Term4.79% Fixed90% or lessApply now ▸
Interest-only first 2 years5.09% Fixed90.01% - 100%CLTV*Apply now ▸

Home Equity Loan

TermRate as low asCLTV 
5-year Fixed3.75%90% or lessApply now ▸
4.00%90.01% - 100% CLTV*Apply now ▸
10-year Fixed4.00%90% or lessApply now ▸
4.25%90.01% - 100% CLTV*Apply now ▸
15-year Fixed4.25%90% or lessApply now ▸
4.50%90.01% - 100% CLTV*Apply now ▸

Certain restrictions and terms may apply. Interest rates are subject to change without notice. The maximum annual percentage rate will not exceed 18%. Interest rates do not include pricing adjustments for loan to value, loan amounts, and credit score.

*Products above are available for primary residences (up to 100% CLTV) and vacation homes (up to 90%).

BayPort may lend up to 100% of the assessment or appraised value.

Property Insurance and if applicable, flood insurance is required.

The applicant is responsible for the appraisal fee if an appraisal fee is required. The appraisal fee is usually $525.00. The fee will be collected up front and the appraisal will be ordered from one of the appraisers on our approved list.

Additional fees may apply.

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Credit Card Rates
Rates Effective: May 1, 2020

Credit Cards

CardAPR for Purchases*APR for Balance Transfers & Cash Advances** 
Mastercard® Platinum Cash Back8.99% - 18.49%8.99% - 18.49%Apply now ▸
Mastercard® Platinum Rewards8.49% - 17.99%8.49% - 17.99%Apply now ▸
Mastercard® Platinum Preferred7.99% - 17.49%7.99% - 17.49%Apply now ▸

*APR = Annual Percentage Rate. When you open your account, the APR is based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

**3.99% Introductory APR for 12 months from account opening on balance transfers from other credit cards made to your BayPort consumer credit card in the first 30 days. Any existing balances on BayPort Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

Variable Rate Information: The Annual Percentage Rate may increase in the future. The Annual Percentage Rate is subject to change on the first day of the billing cycle quarterly to reflect any change in the Index and will be determined by the Prime Rate on the first day of each calendar quarter (January, April, July, and October), to which we add a margin. Any increase in the Annual Percentage Rate will result in an increase in the amount of the interest you will pay, may increase your minimum payment, and may increase the number of payments to pay off your balance. If the Index is no longer available, the credit union will choose a new index which is based upon comparable information.

Effective Date: The information about the costs of the card described in this application is accurate as of May 1, 2020. This information may have changed after that date. To find out what may have changed, contact us.

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Deposit Rates
Rates Effective: July 1, 2020

Savings

AmountDividend RateAPYMinimum Deposit 
$0 - $99.990.00%0.00%$5.00 to openOpen account ▸
$100.00 - 1,999.990.05%0.05%$5.00 to openOpen account ▸
$2,000.00 and Over0.15%0.15%$5.00 to openOpen account ▸

Fast Start Savings

Youth Savings accounts for members 24 and under earn highest tiered rate.
AmountDividend RateAPYMinimum Deposit 
$0 - $500.004.91%5.00%$5.00 to openOpen account ▸
$500.01 - $1,999.992.97%3.00%$5.00 to openOpen account ▸
$2,000.00 and Over0.15%0.15%$5.00 to openOpen account ▸

*Annual Percentage Yield. Must be under 25 years of age to be eligible for a Fast Start Savings. Minimum monthly deposits of at least $10.00 required to earn the dividend rate/APY on your Fast Start Savings Account. If the deposit requirement is not met, your dividends/APY earned on your funds will revert back to the Young Investors rate. Rates subject to change without notice. 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.

Rewards Checking/Teen Rewards Checking/College & Career Rewards Checking

AmountDividend RateAnnual Percentage Yield (APY)Minimum Deposit 
$0N/AN/A$25.00 to openOpen account ▸

Classic Checking

AmountDividend RateAnnual Percentage Yield (APY)Minimum Deposit 
$0 - $499.990.00%0.00%$25.00 to openOpen account ▸
$500.00 - $999.990.00%0.00%$25.00 to openOpen account ▸
$1,000.00 and Over0.05%0.05%$25.00 to openOpen account ▸

Investment Checking

AmountDividend RateAnnual Percentage Yield (APY)Minimum Deposit 
$0 - $2,499.990.00%0.00%$25.00 to openOpen account ▸
$2,500.00 - $9,999.990.15%0.15%$25.00 to openOpen account ▸
$10,000.00 - $24,999.990.20%0.20%$25.00 to openOpen account ▸
$25,000.00 - $49,999.990.25%0.25%$25.00 to openOpen account ▸
$50,000.00 and Over0.30%0.30%$25.00 to openOpen account ▸

Club Accounts (Vacation or Christmas)

AmountDividend RateAnnual Percentage Yield (APY) 
$0 - $99.990.00%0.00%Open account ▸
$100.00 - $1,999.990.05%0.05%Open account ▸
$2,000.00 and Over0.15%0.15%Open account ▸

IRA Savings

Divident RateAnnual Percentage Yield (APY)Minimum Deposit 
0.25%0.25%$100.00 to openOpen account ▸

ATM Operator/Network Fee: when you use an automated teller machine not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). Fees may reduce earnings. For additional information on your account please see your “Important Account Information for Our Members” brochure. This Credit Union is federally insured by the National Credit Union Administration. If you have any questions or require current rate information, contact us.

The rates are accurate and effective as of the date indicated above. Dividends compound quarterly with the exception of Investment Checking, which compounds monthly. 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, contact us.

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Share Certificate Rates
Rates Effective: October 6, 2020

Share Certificates and Share Special Certificates have a minimum balance requirement. Members under 25 years of age may purchase a 30-month certificate with a minimum balance of $100.00.

Share Certificates - Premier/Select Relationship

TitleDividend RateAnnual Percentage Yield (APY)Minimum Balance
11-month Special0.65%0.65%$2,500.00
11-month Special0.75%0.75%$100,000.00
19-month Special0.65%0.65%$2,500.00
19-month Special0.75%0.75%$100,000.00
29-month Special0.80%0.80%$2,500.00
54-month Special0.90%0.90%$2,500.00
84-month Special0.95%0.95%$100,000.00
91-day0.45%0.45%$1,000.00
6-month0.50%0.50%$1,000.00
12-month0.55%0.55%$1,000.00
18-month0.55%0.55%$1,000.00
24-month0.65%0.65%$1,000.00
25-month Flex*0.40%0.40%$5,000.00
30-month0.65%0.65%$1,000.00
36-month0.70%0.70%$1,000.00
48-month0.70%0.70%$1,000.00
60-month0.75%0.75%$1,000.00

Share Certificates - Preferred Relationship

TitleDividend RateAnnual Percentage Yield (APY)Minimum Balance
11-month Special0.60%0.60%$2,500.00
11-month Special0.70%0.70%$100,000.00
19-month Special0.60%0.60%$2,500.00
19-month Special0.70%0.70%$100,000.00
29-month Special0.75%0.75%$2,500.00
54-month Special0.85%0.85%$2,500.00
84-month Special0.90%0.90%$100,000.00
91-day0.40%0.40%$1,000.00
6-month0.45%0.45%$1,000.00
12-month0.50%0.50%$1,000.00
18-month0.50%0.50%$1,000.00
24-month0.60%0.60%$1,000.00
25-month Flex*0.40%0.40%$5,000.00
30-month0.60%0.60%$1,000.00
36-month0.65%0.65%$1,000.00
48-month0.65%0.65%$1,000.00
60-month0.70%0.70%$1,000.00

Share Certificates - Regular

TitleDividend RateAnnual Percentage Yield (APY)Minimum Balance
11-month Special0.35%0.35%$2,500.00
11-month Special0.45%0.45%$100,000.00
19-month Special0.35%0.35%$2,500.00
19-month Special0.45%0.45%$100,000.00
29-month Special0.50%0.50%$2,500.00
54-month Special0.60%0.60%$2,500.00
84-month Special0.65%0.65%$100,000.00
91-day0.15%0.15%$1,000.00
6-month0.20%0.20%$1,000.00
12-month0.25%0.25%$1,000.00
18-month0.25%0.25%$1,000.00
24-month0.35%0.35%$1,000.00
25-month Flex*0.40%0.40%$5,000.00
30-month0.35%0.35%$1,000.00
36-month0.40%0.40%$1,000.00
48-month0.40%0.40%$1,000.00
60-month0.45%0.45%$1,000.00

The annual percentage yield is based on the assumption that the dividend will remain in the account until maturity. If the penalty amount exceeds the amount of dividends earned, the penalty amount will be deducted from the principal balance.

If you qualify for one of the Relationship/Bump 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 the 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 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.

Automatically Renewable Account: Certificate accounts will automatically renew at maturity. The dividend rate will be the same as we offer on regular new Share/IRA certificate accounts as found on our rate sheet effective on the maturity date. The Credit Union will notify you 30 days prior to maturity. The notice will inform you of the terms under which the Credit Union proposes to renew the certificate or otherwise make funds available to you by placing them in a dividend-bearing account. You will have a grace period of five (5) calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. During the five-day (5) grace period no dividends will be earned unless the funds remain on deposit with BayPort Credit Union. You may also refer to your Certificate Purchase Agreement for the certificate renewal terms.

*25-month Flex Certificate: This account will automatically renew to a 24-month certificate. The dividend rate will be the same as we offer on a new 24-month certificate as found on our rate sheet effective on the maturity date. The Credit Union will notify you 30 days prior to maturity. The notice will inform you of the terms under which the Credit Union proposes to renew the certificate or otherwise make funds available to you by placing them in a dividend-bearing 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, unless the funds remain on deposit with BayPort Credit Union. You may also refer to your Certificate Purchase Agreement for the certificate renewal terms. Transaction Limitations: 1) One-time option to bump up the rate. The bump-up rate will match the rate currently in effect for a 24-month certificate term at the time the option is exercised. The new dividend rate will not be applied retroactively. 2) 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). 3) 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 (lesser 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 of $5,000.

For additional information on your account, refer to your Certificate Disclosure and Fee Schedule. Fees may reduce earnings. If you have any questions or require current rate information, contact us.

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IRA Certificate Rates
Rates Effective: October 6, 2020

IRA Certificates and IRA Special Certificates have a minimum balance requirement. The Coverdell Education Savings minimum balance of $500.00 applies to 1, 2, 3, 4, or 5-year certificates.

IRA Certificates - Premier/Select Relationship

TitleDividend RateAnnual Percentage Yield (APY)Minimum Balance
11-month Special0.65%0.65%$1,000.00
11-month Special0.75%0.75%$100,000.00
19-month Special0.65%0.65%$1,000.00
19-month Special0.75%0.75%$100,000.00
29-month Special0.80%0.80%$1,000.00
54-month Special0.90%0.90%$1,000.00
84-month Special0.95%0.95%$100,000.00
1-year0.55%0.55%$1,000.00
2-year0.65%0.65%$1,000.00
3-year0.70%0.70%$1,000.00
4-year0.70%0.70%$1,000.00
5-year0.75%0.75%$1,000.00

IRA Certificates - Preferred Relationship

TitleDividend RateAnnual Percentage Yield (APY)Minimum Balance
11-month Special0.60%0.60%$1,000.00
11-month Special0.70%0.70%$100,000.00
19-month Special0.60%0.60%$1,000.00
19-month Special0.70%0.70%$100,000.00
29-month Special0.75%0.75%$1,000.00
54-month Special0.85%0.85%$1,000.00
84-month Special0.90%0.90%$100,000.00
1-year0.50%0.50%$1,000.00
2-year0.60%0.60%$1,000.00
3-year0.65%0.65%$1,000.00
4-year0.65%0.65%$1,000.00
5-year0.70%0.70%$1,000.00

IRA Certificates - Regular

TitleDividend RateAnnual Percentage Yield (APY)Minimum Balance
11-month Special0.35%0.35%$1,000.00
11-month Special0.45%0.45%$100,000.00
19-month Special0.35%0.35%$1,000.00
19-month Special0.45%0.45%$100,000.00
29-month Special0.50%0.50%$1,000.00
54-month Special0.60%0.60%$1,000.00
84-month Special0.65%0.65%$100,000.00
1-year0.25%0.25%$1,000.00
2-year0.35%0.35%$1,000.00
3-year0.40%0.40%$1,000.00
4-year0.40%0.40%$1,000.00
5-year0.45%0.45%$1,000.00

The annual percentage yield is based on the assumption that the dividend will remain in the account until maturity. If the penalty amount exceeds the amount of dividends earned, the penalty amount will be deducted from the principal balance. Automatically Renewable Account: Certificate accounts will automatically renew at maturity. The dividend rate will be the same as we offer on regular new Share/IRA certificate accounts as found on our rate sheet effective on the maturity date. The Credit Union will notify you 30 days prior to maturity. The notice will inform you of the terms under which the Credit Union proposes to renew the certificate or otherwise make funds available to you by placing them in a dividend-bearing account. You will have a grace period of five (5) calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. During the five-day (5) grace period no dividends will be earned unless the funds remain on deposit with BayPort Credit Union. You may also refer to your Certificate Purchase Agreement for the certificate renewal terms.

If you qualify for one of the Relationship/Bump 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 the 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.

Early Withdrawal Penalties: A penalty and/or account closure may be imposed for withdrawals before maturity.

For additional information on your account, refer to your Certificate Disclosure and Fee Schedule. Fees may reduce earnings. If you have any questions or require current rate information, contact us.

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Money Market Rates
Rates Effective: October 6, 2020

Pinnacle Money Market

Requires opening deposit of $2,500.00
Amount on Deposit DailyDividend RateAnnual Percentage Yield
$0 - $2,499.990.00%0.00%
$2,500.00 - $9,999.990.20%0.20%
$10,000.00 - $24,999.990.20%0.20%
$25,000.00 - $49,999.990.30%0.30%
$50,000.00 - $99,999.990.30%0.30%
$100,000.00 - $249,999.990.50%0.50%
$250,000 and Over0.90%0.90%

Money Market

Requires opening deposit of $25.00
Amount on Deposit DailyDividend RateAnnual Percentage Yield
$0 - $2,499.990.00%0.00%
$2,500.00 - $9,999.990.20%0.20%
$10,000.00 - $24,999.990.20%0.20%
$25,000.00 - $49,999.990.25%0.25%
$50,000.00 and Over0.25%0.25%

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

Our website contains links to websites owned and operated by third parties. If you use these links, you leave our website. BayPort Credit Union has no control over the contents of such linked websites or third parties, and is not responsible for these websites, their content, or availability.

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