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Deposit Rates

Effective 11/13/2023

Checking AccountsMinimum Balance to Earn APYAnnual Percentage Yield (APY)Interest Rate

Checking Accounts


Business Interest Checking

Minimum Balance to Earn APY


$5,000.00

Annual Percentage Yield (APY)


0.05%

Interest Rate


0.05%

Checking Accounts


Personal Interest Checking

Minimum Balance to Earn APY


$100.00

Annual Percentage Yield (APY)


0.05%

Interest Rate


0.05%

Checking Accounts


Bonus Checking

Minimum Balance to Earn APY


$1,000.00

Annual Percentage Yield (APY)


0.05%

Interest Rate


0.05%

Checking Accounts


Reward Checking

Minimum Balance to Earn APY


Annual Percentage Yield (APY)


Interest Rate


Checking Accounts


$.01 to $10,000 (if qualifies)

Minimum Balance to Earn APY


$.01

Annual Percentage Yield (APY)


0.05%

Interest Rate


0.05%

Checking Accounts


$10,000.01 or more (if qualifies)

Minimum Balance to Earn APY


$10,000.01

Annual Percentage Yield (APY)


0.01%

Interest Rate


0.01%

Checking Accounts


If qualifications are not met

Minimum Balance to Earn APY


Annual Percentage Yield (APY)


0.00%

Interest Rate


0.00%
Savings AccountsMinimum Balance to Earn APYAnnual Percentage Yield (APY)Interest Rate

Savings Accounts


Statement Savings

Minimum Balance to Earn APY


$50.00

Annual Percentage Yield (APY)


0.05%

Interest Rate


0.05%

Savings Accounts


IRA Statement Savings

Minimum Balance to Earn APY


$5.00

Annual Percentage Yield (APY)


0.05%

Interest Rate


0.05%

Savings Accounts


Christmas Club Savings

Minimum Balance to Earn APY


$5.00

Annual Percentage Yield (APY)


0.05%

Interest Rate


0.05%
Money Market Minimum Balance to Earn APY Annual Percentage Yield (APY) Interest Rate

Money Market


Balance<$2,500.00

Minimum Balance to Earn APY


$100.00

Annual Percentage Yield (APY)


0.01%

Interest Rate


0.01%

Money Market


$2,500.00 - $9,999.99

Minimum Balance to Earn APY


$2,500.00

Annual Percentage Yield (APY)


0.05%

Interest Rate


0.05%

Money Market


$10,000.00 - $24,999.99

Minimum Balance to Earn APY


$10,000.00

Annual Percentage Yield (APY)


0.10%

Interest Rate


0.10%

Money Market


$25,000.00 - $49,999.99

Minimum Balance to Earn APY


$25,000.00

Annual Percentage Yield (APY)


0.10%

Interest Rate


0.10%

Money Market


$50,000.00 and above

Minimum Balance to Earn APY


$50,000.00

Annual Percentage Yield (APY)


0.30%

Interest Rate


0.30%
Business Premier Money Market Savings**Minimum Balance to Earn APYAnnual Percentage Yield (APY)Interest Rate

Business Premier Money Market Savings**


RATE DURING 180 DAY GUARANTEE

Minimum Balance to Earn APY


$10,000.00

Annual Percentage Yield (APY)


4.25%

Interest Rate


4.16%

Business Premier Money Market Savings**


$10,000 up to $24,999.99

Minimum Balance to Earn APY


$10,000.00

Annual Percentage Yield (APY)


1.35%

Interest Rate


1.34%

Business Premier Money Market Savings**


$25,000 up to $49,999.99

Minimum Balance to Earn APY


$25,000.00

Annual Percentage Yield (APY)


1.95%

Interest Rate


1.93%

Business Premier Money Market Savings**


$50,000 up to $49,999.99

Minimum Balance to Earn APY


$50,000.00

Annual Percentage Yield (APY)


2.55%

Interest Rate


2.52%

Business Premier Money Market Savings**


$100,000 up to $249,999.99

Minimum Balance to Earn APY


$100,000.00

Annual Percentage Yield (APY)


3.15%

Interest Rate


3.10%

Business Premier Money Market Savings**


$250,000 up to $499,999.99

Minimum Balance to Earn APY


$250,000.00

Annual Percentage Yield (APY)


3.50%

Interest Rate


3.44%

Business Premier Money Market Savings**


$500,000 up to $749,999.99

Minimum Balance to Earn APY


$500,000.00

Annual Percentage Yield (APY)


3.75%

Interest Rate


3.68%

Business Premier Money Market Savings**


$750,000 up to $999,999.99

Minimum Balance to Earn APY


$750,000.00

Annual Percentage Yield (APY)


4.00%

Interest Rate


3.92%

Business Premier Money Market Savings**


$1,000,000 and above

Minimum Balance to Earn APY


$1,000,000.00

Annual Percentage Yield (APY)


4.25%

Interest Rate


4.16%
Certificate of DepositMinimum Balance to Earn APYAnnual Percentage Yield (APY)Interest Rate

Certificate of Deposit


4 - 6 Month

Minimum Balance to Earn APY


$1,000.00

Annual Percentage Yield (APY)


1.51%

Interest Rate


1.50%

Certificate of Deposit


7 - 12 Month

Minimum Balance to Earn APY


$1,000.00

Annual Percentage Yield (APY)


1.51%

Interest Rate


1.50%

Certificate of Deposit


13 - 24 Month

Minimum Balance to Earn APY


$1,000.00

Annual Percentage Yield (APY)


1.51%

Interest Rate


1.50%

Certificate of Deposit


25 - 42 Month

Minimum Balance to Earn APY


$1,000.00

Annual Percentage Yield (APY)


2.02%

Interest Rate


2.00%

Certificate of Deposit


36 Month (Bump-Up)

Minimum Balance to Earn APY


$1,000.00

Annual Percentage Yield (APY)


2.02%

Interest Rate


2.00%

Certificate of Deposit


43 - 59 Month

Minimum Balance to Earn APY


$1,000.00

Annual Percentage Yield (APY)


2.02%

Interest Rate


2.00%

Certificate of Deposit


60 Month

Minimum Balance to Earn APY


$1,000.00

Annual Percentage Yield (APY)


2.53%

Interest Rate


2.50%

Information shown is based on current rates and is subject to change without notice. Penalty may be imposed on early withdrawal of Certificate of Deposit. Fees could reduce earnings.

For tiered rate accounts, on any day that the collected balance is within a specific tier, the interest rate and annual percentage yield for that tier will be paid on the entire collected balance. Some accounts may not be available to all depositors. Please see our Deposit Account Agreement for eligible depositors and for other provisions applicable to checking and savings accounts.
**This is a variable rate account subject to change at any time without notice, except during the first 180 days after account opening. During the first 180 days, the account will earn no less than the APY stated at account opening.

Contact Us

Email:
support@bayvanguard.com *Please DO NOT send personal/confidential information via email.  Non-public personal and account information such as Account Numbers, Passwords, PINs, and Social Security Numbers should not be sent through email.
Phone:
410-477-5000 Toll-Free: 1-844-301-1880
Fax:
410-477-1020
Address:
7114 North Point Road Baltimore, MD  21219
Telephone Banking:
1-855-757-8314
BayVanguard Routing Number:
252071159

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