Deposit Accounts Bay Federal Credit Union

Your deposits at Bay Federal Credit Union are federally insured to at least $100,000 per account by the National Credit Union Administration, a U.S. government agency. IRAs are separately insured up to $250,000. If you'd like to learn more, see "Your Insured Funds" or speak with one of our Member Service Representatives.

All our accounts earn competitive yields — and your deposits are federally insured up to $100,000!

Our basic account offers competitive yields and unlimited access. Current rates

Enjoy a greater return on your savings for balances of $25,000 and greater without locking in a term with our Titanium Savings account. Current rates

Earn a market rate of return with no fixed term or maturity limitations. Your account is accessible through limited check writing, BAYPHONE, an ATM card and optional overdraft protection. Current rates

Lock in an excellent yield for terms from two months to five years. Our low minimum balance requirements make it easier for you to earn higher yields and build your savings. Current rates

It's never too early to start saving for your future with an IRA! We offer Traditional, SEP, and Roth IRAs, as well as Coverdell Education Savings Accounts. Unlike stocks, our IRAs are federally insured and offer guaranteed, steady earnings:

The safe, easy and fast way to put your money where you want it to go-your Bay Federal account! Each payday, your net pay will be deposited automatically into your account. You'll never have to stand in line to cash your paycheck again. Direct deposit request form.

Pay yourself first! Each payday, part of your paycheck will be deducted and sent immediately to your Bay Federal account. You can divide it up any way you like, sending some to savings, to checking, or make loan payments. Payroll deduction request form.