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CD SPECIALS
Better Rates/APYs
When you have a Checking Account or Money Market account with Bay Financial Savings Bank, you can expect to receive anywhere from 5 to 25 basis points higher than our advertised interest rates. That's extra dollars to you for being our loyal customer.

Step Up CD
  • Open a new Two Year Step Up at the current Interest Rate /APY

  • During the first year of the term, if our rates go up, the interest rate can be "stepped up" once

  • Minimum to open is $2,500

  • Interest compounds daily and credited quarterly to the account or you can request a monthly or quarterly check or a transfer to another account

40 Month CD
  • Higher Interest Rate/APY for the "odd" term

  • Minimum to open is $2,500

  • Interest Compounds Daily and is Credited Quarterly to the account or you can request a monthly or quarterly check.

  • Interest can also be transferred to another account, such as your checking account with Bay or at another institution


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