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Savings / Investment Accounts

We Make It Easy!

Whether you want to save for a certain goal or be ready for unplanned expenses, we have a variety of saving options to meet your needs. Our regular Savings Account is required for membership and makes you eligible for all of the great products, services and programs we offer.

Buddy Bear Account

Newborn to Age 12

Open a Buddy Bear Account when your child is born and start them on the right path for their future. Save with Birthday money and holiday checks from family. Your child will learn how to save for something special.

What is required to open a Buddy Bear Account?

Saving Account

Opening a Share Savings Account establishes your membership at Bay Credit Union. A minimum balance of $25.00 is required at all times. Dividend rates are competitive too!

Christmas Club/Vacation Club

Bay Credit Union also offers you these other types of savings accounts. Be prepared when The Jolly Old Man sneaks up on us, or you just need to get away.

Money Market Saving Account

Get started with a $1,000 minimum balance

Golden Opportunity Saving Account

The Golden Opportunity Checking and Savings Accounts, exclusive to our members age 60 and over and offer extra benefits (requirement of both savings and checking to receive Golden Opportunity status). Account benefits include:

IRA Account

An Individual Retirement Account (IRA) is a dividend-bearing, tax deferred account that may offer tax advantages when the money is deposited for the purpose of saving toward retirement. With a minimum opening deposit, you will earn high dividends on an IRA Certificate Account or IRA Accumulation Account

Minimum deposit of $1,000.00 Minimum deposit of $25.00

Certificates of Deposit

Customize your investment program with these flexible Term Share Certificate options: