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Deposit Rates

Effective 05/10/2024

Contact your local branch for current CD Specials or call 410-477-5000.

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


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%
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


Personal Premier Money Market Savings

Minimum Balance to Earn APY


$10,000.00

Annual Percentage Yield (APY)


4.25% First 180 days

Interest Rate


4.16% First 180 days

Savings Accounts


$0.01 - $9,999.99

Minimum Balance to Earn APY


$0.00

Annual Percentage Yield (APY)


0.00%

Interest Rate


0.00%

Savings Accounts


$10,000.00 - $49,999.99

Minimum Balance to Earn APY


$10,000.00

Annual Percentage Yield (APY)


1.35%

Interest Rate


1.34%

Savings Accounts


$50,000.00 - $99,999.99

Minimum Balance to Earn APY


$50,000.00

Annual Percentage Yield (APY)


2.55%

Interest Rate


2.52%

Savings Accounts


$100,000 and above

Minimum Balance to Earn APY


$100,000.00

Annual Percentage Yield (APY)


3.15%

Interest Rate


3.10%

Savings Accounts


Personal Premier Money Market Savings with Relationship

Minimum Balance to Earn APY


$10,000.00

Annual Percentage Yield (APY)


5.00% First 180 days

Interest Rate


4.88% First 180 days

Savings Accounts


$0.01 - $9,999.99

Minimum Balance to Earn APY


$0.00

Annual Percentage Yield (APY)


0.00%

Interest Rate


0.00%

Savings Accounts


$10,000.00 - $49,999.99

Minimum Balance to Earn APY


$10,000.00

Annual Percentage Yield (APY)


2.35%

Interest Rate


2.32%

Savings Accounts


$50,000.00 - $99,999.99

Minimum Balance to Earn APY


$50,000.00

Annual Percentage Yield (APY)


3.55%

Interest Rate


3.49%

Savings Accounts


$100,000.00 and above

Minimum Balance to Earn APY


$100,000.00

Annual Percentage Yield (APY)


4.15%

Interest Rate


4.07%
To earn the Personal Premier Money Market Savings Relationship rate, you must have a linked checking account that receives a qualifying direct deposit of $1,000.00 or more each statement cycle.  A qualifying direct deposit is a recurring electronic deposit made by an employer or outside agency.  Transfers made between accounts, deposits made via a branch, ATM, online transfer, mobile device or mail are not eligible.
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 - $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 - $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 - $99,999.99

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 - $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 - $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 - $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 - $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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