Our basic account offers unlimited access to your funds, so you can make withdrawals in person or through an ATM.

• BayFed Mobile App
• BayFedOnline Banking
• Worldwide ATM Access
• No Monthly Service Fee — when you do one of the following::
1. Establish Direct Deposit in the Savings account ($500 or more per month)
2. Maintain a minimum daily balance of $300 in the Savings account
3. Maintain minimum daily combined balances of $15,000 (includes deposits and/or loan accounts)

This fee is waived for members under the age of 23, and for members who are 66 and older.

Our unique solution for members who want a high-yield for their accounts, but need to have convenient access to their funds.

• Minimum opening balance of $25,000
• Great rates — higher rate of return for higher account balances
• Unlimited deposits and withdrawals
• BayFed Mobile App
• BayFedOnline Banking
• Worldwide ATM Access

No fixed term or maturity limitations. Your funds can be withdrawn through limited check writing, ATMs, or use your account as an optional overdraft protection resource.

• Minimum opening balance of $1,500
• Great rates — higher rate of return for higher account balances
• Unlimited deposits
• BayFed Mobile App
• BayFedOnline Banking
• Worldwide ATM Access

It's never too early to start saving for your future! Save for retirement, higher education, and the stability of your future through an array of tax-deferred savings accounts.

• Traditional, Simplified Employee Pension (SEP), and Roth IRAs available
• Coverdell Education Savings accounts available

Visit any Bay Federal branch to start saving for your retirement today!