Bay Cities Credit Union

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A short history of Bay Cities CU

Since its inception in 1953 the Bay Cities Credit Union has been serving its members in the Hayward, California area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Georgette Munoz, the Bay Cities CU has grown its membership to over 11,035 with assets of more than $73,990,912. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (510) 690-6100 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Hayward, CA.

General Information For Bay Cities CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 68316
Address P.O. Box 30 
City Hayward 
State California 
Zip-Code 94543
Phone Number (510) 690-6100
Fax Number (510) 881-1929
Email Address:
CEO/President Georgette Munoz
Members 11,035 
Full-Time Employees 17 
Part-Time Employees
Number of Branch Offices
Total Assets 73,990,912 

Compare Bay Cities Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Moore West CU Keyes - Resident 1281 Hunt RD 95337 (209) 823-7885 No 4.90
Smw 104 CU SMW 104 FCU 1750 Abram Ct 94577 (510) 483-1300 No 5.74
Sea West Coast Guard CU Alameda Service Center Coast Guard Island 94501 (510) 434-2306 No 7.67
Chabot CU CHABOT FCU 7080 DONLON WAY STE 100 94568 (925) 828-1320 No 8.05
Patelco CU ROSEVILLE 5040 Foothills Blvd 95747 (916) 872-6400 No 9.81

Bay Cities Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Bay Cities Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 10.95 5.62 5.62 N/A 5.97
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 337 458 400 N/A 337
Rank Among All California Credit Unions 75 144 135 N/A 105

Bay Cities Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.02 0.02 0.02 0.02 0.02
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 135 151 149 344 295
Rank Among All California Credit Unions 28 49 55 105 95
Bay Cities Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 10.9501,4454,139,924
All Other Unsecured Loans/Lines of Credit 11.5505541,919,150
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 5.6201232,493,682
Used Vehicle Loans 5.62099912,868,040
Total 1st Mortgage Real Estate Loans/Lines of Credit 0.00000
Total Other Real Estate Loans/Lines of Credit 5.9701084,129,383
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 8.81067689,432
TOTAL LOANS & LEASES 3,29626,239,611

Bay Cities Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 0000
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 421,649,7446347,700
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 662,479,63916527,745
Open-End Fixed Rate 0000
TOTALS 1084,129,38322875,445


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Bay Cities Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay No
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders No
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes