Current Rates

Loan Rates as of November 17, 2022

Auto Loans
Vehicle Type	Approximate Term	APR*
New	Up to 84 Months	4.49 to 12.75%
2019 – 2023	Up to 72 Months	4.75 to 14.00%
2014 – 2018	Up to 72 Months	5.75 to 15.50%
2013 and older	Up to 60 Months	6.00 to 16.50%

*APR = Annual Percentage Rate. Rate based on creditworthiness. Ask a Member Service Specialist for your qualifying rate. Vehicle value is based on MSRP or by a source approved by the credit union. Please contact us for specific terms, rates and available discounts. Payment example based on a $20,000 loan: $338.60 at 6.75% APR with a 72 month term.

Boat, Jet Ski, Motorcycle, ATV and RV Loans
Vehicle Type	Approximate Term	APR*
New Boat	Up to 180 Months	5.75 to 15.00%
Used Boat	Up to 180 Months	7.00 to 15.75%
New Jet Ski	Up to 72 Months	6.00 to 14.00%
Used Jet Ski	Up to 72 Months	6.50 to 18.00%
New RV	Up to 180 Months	5.75 to 15.00%
Used RV	Up to 180 Months	7.00 to 15.75%
New Motorcycle/ATV	Up to 72 Months	6.00 to 14.00%
Used Motorcycle/ATV	Up to 72 Months	6.50 to 18.00%

Personal Loans
Borrowed Amount	Approximate Term	APR*
$300 - $20,000	Up to 84 months	8.00 to 18.00%

*APR = Annual Percentage Rate. Rate based on creditworthiness. Ask a Member Service Specialist for your qualifying rate. Payment example based on $1,000.00 loan: $88.00 at 9.00% APR with a 12-month term.

Overdraft Protection Loan
Borrowed Amount	Approximate Term	APR*
$300 - $1,500	Revolving Account	10.00 to 18.00%

*APR = Annual Percentage Rate. Rate based on creditworthiness. Ask a Member Service Specialist for your qualifying rate. Payment is $20.00 or 4% of balance, whichever is greater. Payment is automatically withdrawn last day of the month.

Business Overdraft Protection Loan
Borrowed Amount	Approximate Term	APR*
$500 - $5,000	Revolving Account	10.00 to 13.00%

Share Secured Loan
APR*	Approximate Term
3.00% APR* above dividend rate earned by Share Account	Up to 72 Months

*APR = Annual Percentage Rate. Loan rate is fixed at 3.00% above the value of the shares, share investments or the share certificates being pledged as security at the time of the loan. Payment example basd on a $5000.00 loan: $111.76 at 3.50% with a 48-month term/.

Savings Rates as of November 17, 2022

Savings Accounts
Account	APY*	Dividend Rate
Share Savings	0.10%	0.10%
IRA	0.20%	0.20%
Vacation/Christmas Club	0.10%	0.10%
Insurance/Tax Account	0.00%	0.00%

*APY = Annual Percentage Yield. Dividends are compounded and credited quarterly based on the average daily balance method. You must maintain $0.01 in the account each day to obtain the disclosed annual percentage yield. Fees may reduce earnings. The minimum to open any of the above accounts is $5.

Share Investment Accounts
Account	APY*	Dividend Rate
$2,000.00 to $19,999.99	0.25%	0.25%
$20,000.00 to $74,999.99	0.35%	0.35%
$75,000.00 or greater	0.45%	0.45%

*APY = Annual Percentage Yield. Dividends are compounded and credited quarterly based on the average daily balance method. You must maintain a minimum average daily balance of $2000.00 in the account to obtain the disclosed annual percentage yield. No interest is earned for less than $2000.00 on deposit. Fees may reduce earnings. The tiered variable interest dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors. See our Account Disclosure Rate Supplement for more information. There is no minimum deposit required to open or maintain this account.

Checking Accounts
Account	APY*	Dividend Rate
Checking Account	0.05%	0.05%
Grow Green Checking Account***
Qualifying rate up to $15,000	0.75%	0.75%
Non Qualifying rate up to $15,000	0.05%	0.05%
$15,000.01 More	0.05%	0.05%

*APY = Annual Percentage Yield. Dividends are compounded and credited quarterly based on the average daily balance method. The minimum to open any of the above accounts is $5.

***You must maintain $0.01 in the account each day to obtain the disclosure annual percentage yield. You must satisfy all of the requirements in our Truth in Savings disclosure during each qualification period to obtain the qualifying percentage yield. If you close your account before accrued dividends have been credited to your account, all accrued dividends will be forfeited. Fees may reduce earnings. See a Member Service Representative for additional disclosures.

Business Checking Accounts
Minimum Balance	APY*	Dividend Rate
$0.00 to $24,999.99	0.05%	0.05%
$25,000 to $49,999.99	0.10%	0.10%
$50,000 to $99,999.99	0.10%	0.10%
$100,000 to $249,999.99	0.15%	0.15%
$250,000 to $499,999.99	0.15%	0.15%
$500,000 or greater	0.20%	0.20%

Share Certificate Special 20 Months 2.48% APY*

2.45% Dividend Rate. $1000 Qualified Minimum Balance. This is a term deposit and you may receive a penalty for early withdrawal. Not eligible for the 0.05% Golden Benefits APR increase. Promotional rates do not apply to IRA Share Certificates. A qualifying deposit is a deposit of $500 or more into a share certificate of funds that have not been on deposit at Baylands FCU in the past ninety (90) days.

Savings Rates as of November 17, 2022

Share and IRA Certificates
Term	APY*	Dividend Rate
6 months	0.90%	0.90%
12 months	1.11%	1.10%
24 months***	1.46%	1.45%
36 months***	1.56%	1.55%
48 months***	1.66%	1.65%
60 months***	1.76%	1.75%

*APY = Annual Percentage Yield. Dividends will compound and credit monthly.
Minimum balance $500. This is a term deposit and you may receive a penalty
for early withdrawal.

***Golden Benefits Members receive an additional 0.05%
on the 24 – 60 month certificates.

If you have any questions or want Mortgage and Home Equity rates: please call us at (804) 843-2520 or (888) 843-2520.