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 Federally Insured Deposits Your deposits at Bay Federal Credit Union are federally insured to at least $250,000 per account by the National Credit Union Administration, a U.S. government agency. IRAs are separately insured up to $250,000. If you'd like to learn more, see "Your Insured Funds" or speak with one of our Member Service Representatives. Savings All our accounts earn competitive yields — and your deposits are federally insured up to $250,000! Regular Savings Our basic account offers competitive yields and unlimited access. Current rates Titanium Savings Enjoy a greater return on your savings for balances of $25,000 and greater without locking in a term with our Titanium Savings account. Current rates Money Market Savings Earn a market rate of return with no fixed term or maturity limitations. Your account is accessible through limited check writing, BAYPHONE, an ATM card and optional overdraft protection. Current rates Certificates (CDs) Lock in an excellent yield for terms from two months to five years. Our low minimum balance requirements make it easier for you to earn higher yields and build your savings. Current rates Individual Retirement Accounts It's never too early to start saving for your future with
an IRA! We offer Traditional, SEP, and Roth IRAs, as well as Coverdell
Education Savings Accounts. Unlike stocks, our IRAs are federally insured
and offer guaranteed, steady earnings: Direct Deposit The safe, easy and fast way to put your money where you want it to go-your Bay Federal account! Each payday, your net pay will be deposited automatically into your account. You'll never have to stand in line to cash your paycheck again. Direct deposit request form. Payroll Deduction Pay yourself first! Each payday, part of your paycheck will
be deducted and sent immediately to your Bay Federal account. You can
divide it up any way you like, sending some to savings, to checking, or
make loan payments. Payroll deduction request form. Contact Bay Federal: 831.479.6000
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