CD's & IRA's

Certificates of Deposit (CD)

Certificates of Deposit are ideal for investors seeking growth and security.  Bay Cities Bank CDs pay high market yields with terms to suit your needs – from 30 days to 5 years.  Interest in compounded daily and paid monthly or quarterly, by check, transfer or to maximize your earnings, can be paid back to the CD account.  Penalty for early withdrawal may apply and would reduce earnings.  $1,000 minimum opening deposit.  $1,000 minimum balance required to obtain the annual percentage yield (APY).

Individual Retirement Account (IRA)

Bay Cities Bank offers IRA Certificate of Deposit accounts to help meet your retirement needs.  All of our IRA products offer flexible terms and competitive interest rates.  IRA options include:

  • Traditional IRA’s
  • Roth IRA’s

Please contact any of our branches to request our Truth in Savings disclosures for more complete details on specific account terms and conditions.  All terms are subject to change.

View Current CD & IRA Rates

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