Rates

BayPort offers competitive rates so you can feel confident your choices will help you be happy, healthy, and financially wise for life.

Vehicle Loans / Personal Loans / Mortgages / Home Equity / Credit Cards / Saving Accounts / Checking Accounts / Share Certificates / IRA Certificates / Money Market Accounts

Rates and terms are subject to change without notice and based on creditworthiness. Certain restrictions may apply. Contact us for the most current rates.

Vehicle Loan Rates
A $10,000 loan at 7.59% APR for 48 months would have a monthly payment of $242.16.

Vehicles & Motorcycles

Term	Daily Periodic Rate	APR* as low as	APR* up to	Type
12–48 months	0.0171–0.0493%	6.54%	17.99%	New 2023+ Under 10,000 Miles
49–60 months	0.0174–0.0493%	6.64%	17.99%	New 2023+ Under 10,000 Miles
61–66 months	0.0179–0.0493%	6.94%	17.99%	New 2023+ Under 10,000 Miles
67–75 months	0.0192–0.0493%	7.24%	17.99%	New 2023+ Under 10,000 Miles
76–84 months	0.0226–0.0493%	8.49%	17.99%	New 2023+ Under 10,000 Miles
12–48 months	0.0185–0.0498%	6.74%	18.19%	Used Up to 6 Years Old
49–60 months	0.0187–0.0498%	6.84%	18.19%	Used Up to 6 Years Old
61–66 months	0.0196–0.0498%	7.14%	18.19%	Used Up to 6 Years Old
67–75 months	0.0204–0.0498%	7.44%	18.19%	Used Up to 6 Years Old
76–84 months	0.0238–0.0498%	8.69%	18.19%	Used Up to 6 Years Old
12–48 months	0.0212–0.0526%	7.74%	19.19%	Used Over 6 Years Old
49–60 months	0.0215–0.0526%	7.84%	19.19%	Used Over 6 Years Old
61–66 months	0.0223–0.0526%	8.14%	19.19%	Used Over 6 Years Old
67–75 months	0.0231–0.0526%	8.44%	19.19%	Used Over 6 Years Old
76–84 months	0.0273–0.0526%	9.69%	19.19%	Used Over 6 Years Old

Updated January 5, 2024 10:06 am

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Recreational Vehicles, Boats, Motor Homes

Term	Daily Periodic Rate	APR* as low as	APR* up to	Type
12–48 months	0.0213–0.0534%	7.79%	19.49%	New 2023+ Under 10,000 Miles
49–60 months	0.0216–0.0534%	7.89%	19.49%	New 2023+ Under 10,000 Miles
61–66 months	0.0224–0.0534%	8.19%	19.49%	New 2023+ Under 10,000 Miles
67–75 months	0.0233–0.0534%	8.49%	19.49%	New 2023+ Under 10,000 Miles
76–84 months	0.0246–0.0534%	8.99%	19.49%	New 2023+ Under 10,000 Miles
85–120 months	0.0260–0.0534%	9.49%	19.49%	New 2023+ Under 10,000 Miles
121–180 months	0.0274–0.0534%	9.99%	19.49%	New 2023+ Under 10,000 Miles
12–48 months	0.0219–0.0539%	7.99%	19.69%	Used Up to 6 Years Old
49–60 months	0.0222–0.0539%	8.09%	19.69%	Used Up to 6 Years Old
61–66 months	0.0230–0.0539%	8.39%	19.69%	Used Up to 6 Years Old
67–75 months	0.0238–0.0539%	8.69%	19.69%	Used Up to 6 Years Old
76–84 months	0.0252–0.0539%	9.19%	19.69%	Used Up to 6 Years Old
85–120 months	0.0265–0.0539%	9.69%	19.69%	Used Up to 6 Years Old
121–180 months	0.02–0.0539%	10.19%	19.69%	Used Up to 6 Years Old
12–48 months	0.0246–0.0567%	8.99%	20.69%	Used Over 6 Years Old
49–60 months	0.0249–0.0567%	9.09%	20.69%	Used Over 6 Years Old
61–66 months	0.0257–0.0567%	9.39%	20.69%	Used Over 6 Years Old
67–75 months	0.0265–0.0567%	9.69%	20.69%	Used Over 6 Years Old
76–84 months	0.0279–0.0567%	10.19%	20.69%	Used Over 6 Years Old
85–120 months	0.0293–0.0567%	10.69%	20.69%	Used Over 6 Years Old
121–180 months	0.0307–0.0567%	11.19%	20.69%	Used Over 6 Years Old

Updated January 5, 2024 10:05 am

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Personal Loan Rates
Rates effective: August 14, 2023
A $15,000 loan at 15.24% APR for 60 months would have a monthly payment of $358.59.

Personal Loans

Loan	Term	Daily Periodic Rate	APR* up to	Type
FlexLine Line of Credit	n/a	0.0308–0.0568%	11.24–20.74%	Personal Loans
Personal Loan	up to 72 months	0.0315–0.0575%	11.49–20.99%	Personal Loans
Savings Secured	up to 24 months	0.0075	2.75%	Personal Loans
Share Certificate Secured	up to share certificate term	share certificate rate + 2.50%	share certificate rate + 2.50%	Personal Loans
Vacation Club Secured	up to 24 months	0.0075%	2.75%	Personal Loans

Rates shown include all Member Relationship Discount APRs.

Updated December 11, 2023 11:19 am

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Mortgage Rates

Fixed Rate Mortgages

Term	Origination Fee	Points	Rate	APR*	Type
30 years	$995	0	6.625%	6.6250%	Conventional Loans
	$995	0.25	6.50%	6.5241%	Conventional Loans
15 years	$995	0	6.50%	6.5000%	Conventional Loans
	$995	1.75	5.50%	5.7729%	Conventional Loans
15 years	$365	0	6.00%	6.0000%	Retire My Mortgage (RMM)
10 years	$365	0	5.875%	5.8750%	Retire My Mortgage (RMM)
30 years	$0	0.875	5.875%	5.9565%	VA Loan
30 years	$0	0.625	6.00%	6.0586%	FHA Loan
30 years	$995	0.25	6.625%	6.6493%	New Construction / Permanent Loans
30 years	$995	0.50	6.50%	6.5482%	New Construction / Permanent Loans
20 years	$995	0.25	6.50%	6.5317%	New Construction / Permanent Loans
20 years	$995	2.125	5.875%	6.1418%	New Construction / Permanent Loans
15 years	$995	0.25	6.50%	6.5397%	New Construction / Permanent Loans
15 years	$995	2	5.50%	5.8125%	New Construction / Permanent Loans
10 years	$995	0.25	6.25%	6.3056%	New Construction / Permanent Loans
10 years	$995	1.875	5.375%	5.7902%	New Construction / Permanent Loans

Rates may vary due to member credit score, loan amount, LTV, and loan type. Rates do not include pricing adjustments for LTV, occupancy type, loan amounts, purpose, and credit score.

Conventional Purchase & Rate Term Refinance: 97% Max LTV; 80% Max LTV for Cash-out Refinance
Conventional loan rates will not apply for loans above $766,550. Loans over 80% LTV require Private Mortgage Insurance (PMI) coverage. Borrower will pay PMI premiums. Rates, points, and closing costs are subject to change without notice.

Retire My Mortgage (RMM): Max LTV 80% with credit score 660 or better
VA Loan: 100% LTV; 90% LTV Cash-out Refinance
FHA Loan: 96.5% LTV; 80% LTV Cash-out Refinance
New Construction/Permanent Loans: Max 95% LTV for Simple Interest Loans

Updated January 17, 2024 1:30 pm

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Adjustable Rate Mortgages

Term	Origination Fee	95% LTV* Rate	APR*	Margin	Type
30 years (3-year ARM)	$995	5.375%	5.3750%	2.75%	Conventional Loans
20 years (3-year ARM)	$995	5.125%	5.1250%	2.50%	Conventional Loans
15 years (3-year ARM)	$995	4.875%	4.8750%	2.25%	Conventional Loans
10 years (3-year ARM)	$995	4.875%	4.8750%	2.25%	Conventional Loans
30 years (5-year ARM)	$995	5.625%	5.6250%	2.75%	Conventional Loans
30 years (10-year ARM)	$995	5.875%	5.8750%	2.75%	Conventional Loans
30 years (3-year ARM)	$995	5.375%	5.3750%	2.75%	New Construction / Permanent Loans
20 years (3-year ARM)	$995	5.125%	5.1250%	2.50%	New Construction / Permanent Loans
15 years (3-year ARM)	$995	4.875%	4.8750%	2.25%	New Construction / Permanent Loans
10 years (3-year ARM)	$995	4.875%	4.8750%	2.25%	New Construction / Permanent Loans
30 years (5-year ARM)	$995	5.625%	5.6250%	2.75%	New Construction / Permanent Loans
30 years (10-year ARM)	$995	5.875%	5.8750%	2.75%	New Construction / Permanent Loans

Loans over 85% LTV require Private Mortgage Insurance (PMI) and must meet those underwriting guidelines. Borrower will pay PMI premiums.

All Adjustable-Rate Mortgages are three-year (3) adjustable. This means that the interest rate for the loan may adjust at the end of each three-year (3) 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, 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.

Updated January 3, 2024 1:38 pm

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Mobile Homes

Term	Origination Fee	Rate	APR*	Margin	Type
30 years (3-year ARM)	$995	6.625%	6.6250%	2.75%	Double-Wide
20 years (3-year ARM)	$995	6.50%	6.5000%	2.50%	Double-Wide
15 years (3-year ARM)	$995	6.375%	6.3750%	2.25%	Double-Wide
10 years (3-year ARM)	$995	6.375%	6.3750%	2.25%	Double-Wide
15 years (3-year ARM)	$995	6.625%	6.6250%	2.25%	Single-Wide
10 years (3-year ARM)	$995	6.625%	6.6250%	2.25%	Single-Wide

Double-Wide: Maximum 85% LTV
Single-Wide: Maximum 75% LTV

Mobile homes must be on a permanent foundation of brick or cinderblock around the entire base of the home and wheels, axles & hitches removed.

Updated January 3, 2024 1:46 pm

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Unimproved Property

Term	Origination Fee	Rate	APR*	Margin	Type
10 years (3-year ARM)	$995	8.25%	8.2500%	3.50%	Unimproved Property
10 years (Fixed)	$995	8.50%	8.5000%		Unimproved Property
15 years (2-year Balloon)	$995	7.00%	7.0000%		Unimproved Property
15 years (3-year Balloon)	$995	7.25%	7.2500%		Unimproved Property
15 years (5-year Balloon)	$995	7.625%	7.6250%		Unimproved Property
15 years (10-year Balloon)	$995	8.75%	8.7500%		Unimproved Property
20 years (5-year Balloon)	$995	7.75%	7.7500%		Unimproved Property
30 years (5-year Balloon)	$995	8.00%	8.0000%		Unimproved Property

Maximum 85% LTV

Updated January 3, 2024 1:40 pm

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Loan programs, except VA and FHA loans, are eligible for our Safe Shop Rate Lock program. This protects the member’s rate from increasing while they shop for their new home. A contract must be presented within 60 days of receiving their prequalification. Rates may vary due to member credit score, loan amount, loan to value, and loan type.

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants based on race, color, religion, national origin, sex, marital status, or age (provided the applicant can 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. Contact the Mortgage Department for the most current mortgage loan rates.

Home Equity Rates

Home Equity

Term	Rate as low as	CLTV*	Type
5 years (Fixed)	6.64%	80% or less	Home Equity Loan
	8.49%	80.01–90%	Home Equity Loan
	8.74%	90.01–100%¹	Home Equity Loan
10 years (Fixed)	6.99%	80% or less	Home Equity Loan
	8.74%	80.01–90%	Home Equity Loan
	8.99%	90.01–100%¹	Home Equity Loan
15 years (Fixed)	7.99%	80% or less	Home Equity Loan
	9.49%	80.01–90%	Home Equity Loan
	9.74%	90.01–100%¹	Home Equity Loan
25 years (10-year draw)	Prime + 0	80% or less	Home Equity Line of Credit
	Prime + 0	80.01–90%	Home Equity Line of Credit
	Prime + 0.25%	90.01–100%¹	Home Equity Line of Credit
30 years (15-year interest-only draw)	Prime + 0	80% or less	Home Equity Line of Credit
	Prime + 0.25%	80.01–90%	Home Equity Line of Credit
12 years (2-year draw)	6.99% fixed	80% or less	Home Equity Line of Credit
(2-year interest-only)	8.74% fixed	80.01–90%	Home Equity Line of Credit
	8.99% fixed	90.01–100%¹	Home Equity Line of Credit
17 years (2-year draw)	7.99% fixed	80% or less	Home Equity Line of Credit
(2-year interest-only)	9.49% fixed	80.01–90%	Home Equity Line of Credit
	9.74% fixed	90.01–100%¹	Home Equity Line of Credit

¹Available for primary residences (up to 100% CLTV) and vacation homes (up to 90%).

The maximum annual percentage rate will not exceed 18%. Interest rates do not include pricing adjustments for LTV, loan amounts, and credit score. Minimum loan amount $10,000; Maximum loan amount of $766,550. BayPort may lend up to 100% of the assessment or appraised value.

No closing costs, excluding appraisal fee if required. The appraisal fee is usually $625. The fee will be collected upfront, and the appraisal will be ordered from one of the appraisers on our approved list. If you close your home equity loan or home equity line of credit within 24 months, you will be required to reimburse BayPort for closing costs paid on your behalf. Additional fees may apply. Property insurance and, if applicable, flood insurance is required.

Updated January 2, 2024 11:07 am

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Credit Card Rates
Rates effective: October 1, 2023

Credit Cards

Card	APR* for Purchases	APR* for Balance Transfers & Cash Advances	Type
Mastercard^® Platinum Cash Back	14.24–23.74%	14.24–23.74%	Credit Cards
Mastercard^® Platinum Rewards	13.74–23.24%	13.74–23.24%	Credit Cards
Mastercard^® Platinum Preferred	13.24–22.74%	13.24–22.74%	Credit Cards

*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. It 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 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 based on comparable information.

**Promotional Period for Introductory APR: The Introductory APR for balance transfers will apply to transactions posted between January 1 - March 31, 2024, and remain in effect until April 2025 statement closing. Balance transfer fees of 3.99% of transfer balance or $5.00, whichever is greater, will apply. Foreign transaction fees of 1.10% of each transaction in U.S. dollars. Rates following the Introductory period are 13.24–23.74% based on creditworthiness. Any existing balances on BayPort Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

Updated January 2, 2024 8:32 am

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Deposit Rates
Rates effective: May 2, 2023

Savings Accounts

Amount	Dividend Rate	APY*	Minimum Deposit	Type
$0–99.99	0.00%	0.00%	$5	Savings
$100–1,999.99	0.05%	0.05%	$5	Savings
$2,000+	0.15%	0.15%	$5	Savings
$0–100,000	2.47%	2.50%	$25	High Yield Savings
$100,000.01+	0.15%	0.15%	$25	High Yield Savings
$0–500	4.91%	5.00%	$5	Fast Start Savings
$500.01–1,999.99	2.97%	3.00%	$5	Fast Start Savings
$2,000+	0.15%	0.15%	$5	Fast Start Savings
$0–99.99	0.00%	0.00%	n/a	Christmas & Vacation Club
$100–1,999.99	0.05%	0.05%	n/a	Christmas & Vacation Club
$2,000+	0.15%	0.15%	n/a	Christmas & Vacation Club
$100+	0.25%	0.25%	$100	IRA Savings

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 charged a fee for a balance inquiry even if you do not complete a fund transfer). Fees may reduce earnings.

High Yield Savings available to High Yield and Cash Back Checking members only. High Yield Savings Dividend Structure: Based on qualifying criteria, you will earn the Tier 1 Dividend Rate on the average daily balance up to $100,000. You will earn the Tier 2 Dividend Rate on the average daily balance over $100,000.01. If requirements are not met, the entire balance will earn 0.05% APY. Dividends compound monthly.

Fast Start Savings: Must be under 25 years of age. Minimum monthly deposits of at least $10 are required to earn the dividend rate/APY. If the deposit requirement is not met, dividends/APY earned on your funds will revert to the Young Investors rate. Rates are subject to change without notice. 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.

For additional information regarding your account, please refer to the Important Account Information for Our Members brochure, Truth-In-Savings disclosure, and Fee Schedule. Fees may reduce earnings.

Updated December 1, 2023 3:01 pm

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Checking Accounts

Amount	Dividend Rate	APY*	Minimum Deposit	Type
$0–15,000	4.89%¹	5.00%	$25	High Yield Checking
$15,000.01+	0.15%¹	0.15%	$25	High Yield Checking
$0	0.00%	0.00%	$25	Cash Back Checking
$0	0.00%	0.00%	$25	Rewards, Teen Rewards, and College & Career Rewards Checking
$0–499.99	0.00%	0.00%	$25	Free Classic Checking
$500–999.99	0.00%	0.00%	$25	Free Classic Checking
$1,000+	0.05%	0.05%	$25	Free Classic Checking

¹High Yield Checking Dividend Structure: Based on qualifying criteria, including eStatements, 15 debit card transactions per month, and a monthly ACH debit or credit, you will earn the Tier 1 Dividend Rate on an average daily balance of up to $15,000. You will earn the Tier 2 Dividend Rate on the average daily balance portion over $15,000.00. If requirements are not met, the entire balance will earn 0.05% APY. Dividends compound monthly.

Updated January 3, 2024 8:07 am

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Share Certificate Rates
Members under 25 years of age may purchase a 30-month certificate with a minimum balance of $100.

Share Certificates

Title	Dividend Rate	APY*	Minimum Balance	Type
5-month Special	4.49%	4.58%	$2,500	Regular
13-month Special	4.78%	4.89%	$2,500	Regular
19-month Special	4.68%	4.78%	$2,500	Regular
19-month Special	4.68%	4.78%	$100,000	Regular
37-month Special	3.73%	3.79%	$2,500	Regular
59-month Special	3.63%	3.69%	$2,500	Regular
84-month Special	3.63%	3.69%	$100,000	Regular
91-day	0.85%	0.85%	$1,000	Regular
6-month	1.00%	1.00%	$1,000	Regular
12-month	1.59%	1.60%	$1,000	Regular
18-month	1.59%	1.60%	$1,000	Regular
24-month	1.64%	1.65%	$1,000	Regular
25-month Flex¹	3.93%	4.00%	$5,000	Regular
30-month	1.69%	1.70%	$1,000	Regular
36-month	1.69%	1.70%	$1,000	Regular
48-month	1.69%	1.70%	$1,000	Regular
60-month	1.69%	1.70%	$1,000	Regular
5-month Special	4.79%	4.90%	$2,500	Premier / Select Relationship
13-month Special	5.08%	5.20%	$2,500	Premier / Select Relationship
19-month Special	4.98%	5.10%	$2,500	Premier / Select Relationship
19-month Special	4.98%	5.10%	$100,000	Premier / Select Relationship
37-month Special	4.03%	4.11%	$2,500	Premier / Select Relationship
59-month Special	3.93%	4.00%	$2,500	Premier / Select Relationship
84-month Special	3.93%	4.00%	$100,000	Premier / Select Relationship
91-day	1.15%	1.15%	$1,000	Premier / Select Relationship
6-month	1.30%	1.31%	$1,000	Premier / Select Relationship
12-month	1.89%	1.91%	$1,000	Premier / Select Relationship
18-month	1.89%	1.91%	$1,000	Premier / Select Relationship
24-month	1.94%	1.96%	$1,000	Premier / Select Relationship
25-month Flex¹	3.93%	4.00%	$5,000	Premier / Select Relationship
30-month	1.99%	2.01%	$1,000	Premier / Select Relationship
36-month	1.99%	2.01%	$1,000	Premier / Select Relationship
48-month	1.99%	2.01%	$1,000	Premier / Select Relationship
60-month	1.99%	2.01%	$1,000	Premier / Select Relationship
5-month Special	4.74%	4.84%	$2,500	Preferred Relationship
13-month Special	5.03%	5.15%	$2,500	Preferred Relationship
19-month Special	4.98%	5.04%	$2,500	Preferred Relationship
19-month Special	4.98%	5.04%	$100,000	Preferred Relationship
37-month Special	3.98%	4.05%	$2,500	Preferred Relationship
59-month Special	3.88%	3.95%	$2,500	Preferred Relationship
84-month Special	3.88%	3.95%	$100,000	Preferred Relationship
91-day	1.10%	1.10%	$1,000	Preferred Relationship
6-month	1.25%	1.26%	$1,000	Preferred Relationship
12-month	1.84%	1.86%	$1,000	Preferred Relationship
18-month	1.84%	1.86%	$1,000	Preferred Relationship
24-month	1.89%	1.91%	$1,000	Preferred Relationship
25-month Flex¹	3.93%	4.00%	$5,000	Preferred Relationship
30-month	1.94%	1.96%	$1,000	Preferred Relationship
36-month	1.94%	1.96%	$1,000	Preferred Relationship
48-month	1.94%	1.96%	$1,000	Preferred Relationship
60-month	1.94%	1.96%	$1,000	Preferred Relationship

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 to the regular dividend rate in effect at account opening. Dividends compound monthly except for the 91-day Share Certificate, which pays at maturity.

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

¹25-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 requirements must be maintained. Minimum deposit of $5,000.

For additional information on your account, please refer to your Certificate Truth-in-Savings Disclosure.

Updated January 9, 2024 7:47 am

IRA Certificate Rates

IRA Certificates

Title	Dividend Rate	APY*	Minimum Balance	Type
5-month Special	4.49%	4.58%	$1,000	Regular
13-month Special	4.78%	4.89%	$1,000	Regular
19-month Special	4.68%	4.78%	$1,000	Regular
19-month Special	4.68%	4.78%	$100,000	Regular
37-month Special	3.73%	3.79%	$1,000	Regular
59-month Special	3.63%	3.69%	$1,000	Regular
84-month Special	3.63%	3.69%	$100,000	Regular
1-year	1.59%	1.60%	$1,000	Regular
2-year	1.64%	1.65%	$1,000	Regular
3-year	1.69%	1.70%	$1,000	Regular
4-year	1.69%	1.70%	$1,000	Regular
5-year	1.69%	1.70%	$1,000	Regular
5-month Special	4.79%	4.90%	$1,000	Premier / Select Relationship
13-month Special	5.08%	5.20%	$1,000	Premier / Select Relationship
19-month Special	4.98%	5.10%	$1,000	Premier / Select Relationship
19-month Special	4.98%	5.10%	$100,000	Premier / Select Relationship
37-month Special	4.03%	4.11%	$1,000	Premier / Select Relationship
59-month Special	3.93%	4.00%	$1,000	Premier / Select Relationship
84-month Special	3.93%	4.00%	$100,000	Premier / Select Relationship
1-year	1.89%	1.91%	$1,000	Premier / Select Relationship
2-year	2.94%	1.96%	$1,000	Premier / Select Relationship
3-year	1.99%	2.01%	$1,000	Premier / Select Relationship
4-year	1.99%	2.01%	$1,000	Premier / Select Relationship
5-year	1.99%	2.01%	$1,000	Premier / Select Relationship
5-month Special	4.74%	4.84%	$1,000	Preferred Relationship
13-month Special	5.03%	5.15%	$1,000	Preferred Relationship
19-month Special	4.93%	5.04%	$1,000	Preferred Relationship
19-month Special	4.93%	5.04%	$100,000	Preferred Relationship
37-month Special	3.98%	4.05%	$1,000	Preferred Relationship
59-month Special	3.88%	3.95%	$1,000	Preferred Relationship
84-month Special	3.88%	3.95%	$100,000	Preferred Relationship
1-year	1.84%	1.86%	$1,000	Preferred Relationship
2-year	1.89%	1.91%	$1,000	Preferred Relationship
3-year	1.94%	1.96%	$1,000	Preferred Relationship
4-year	1.94%	1.96%	$1,000	Preferred Relationship
5-year	1.94%	1.96%	$1,000	Preferred Relationship

The Coverdell Education Savings Certificate minimum balance of $500 applies to 1,2,3,4, or 5-year certificates.

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 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. Dividendscompound monthly.

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

For additional information on your account, please refer to your Certificate Truth-in-Savings Disclosure.

Updated January 9, 2024 7:54 am

Money Market Rates
Rates effective: June 27, 2023

Money Market Accounts

Amount on Daily Deposit	Dividend Rate	APY*	Minimum Deposit	Type
$0–2,499.99	0.00%	0.00%	$25	Money Market
$2,500–9,999.99	0.20%	0.20%	$25	Money Market
$10,000–24,999.99	0.20%	0.20%	$25	Money Market
$25,000–49,999.99	0.25%	0.25%	$25	Money Market
$50,000+	0.25%	0.25%	$25	Money Market
$0–2,499.99	0.00%	0.00%	$2,500	Pinnacle Money Market
$2,500–9,999.99	0.50%	0.50%	$2,500	Pinnacle Money Market
$10,000–24,999.99	0.50%	0.50%	$2,500	Pinnacle Money Market
$25,000–49,999.99	1.39%	1.40%	$2,500	Pinnacle Money Market
$50,000–99,999.99	1.49%	1.50%	$2,500	Pinnacle Money Market
$100,000–249,999.99	2.23%	2.25%	$2,500	Pinnacle Money Market
$250,000–499,999.99	2.72%	2.75%	$2,500	Pinnacle Money Market
$500,000–999,999.99	3.20%	3.25%	$2,500	Pinnacle Money Market
$1,000,000+	3.93%	4.00%	$2,500	Pinnacle Money Market

For additional information regarding your account, please refer to the Important Account Information for Our Members brochure, Truth-In-Savings disclosure, and Fee Schedule. Fees may reduce earnings. Dividends compound monthly.

Updated December 1, 2023 3:03 pm

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*Definitions:
APR = Annual Percentage Rate
APY = Annual Percentage Yield
CLTV = Combined Loan to Value (LTV)

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants based on race, color, religion, national origin, sex, marital status, or age (provided the applicant can 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.

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