Bay Federal Credit Union

1-Year Certificates

Open a Certificate Get Rates

Short-Term Goals, Long-Term Gain!

1-Year Certificate

4.08 %* apy

Higher rates available on certificates with balances above $100,000.

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A certificate is a savings account that generally earns a higher rate of interest than a regular savings account in exchange for your promise to keep the money in the account for a pre-determined period of time.

  • Open a certificate with as little as $1,000

  • Interest is compounded daily — earn money on your interest!

  • At maturity, renew your certificate for the interest rate offered at that time, choose a different term, or move your money into another account

  • Your certificate accounts are federally insured by the NCUA

  • Certificate terms ranging from three months to five years

Open a Certificate Get Rates


*Deposit accounts may have different rates based on your balance. Visit our rates page for full details.

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