BayBusiness Plus Checking
Rates Effective: March 1, 2023
| Daily Balance | Rate | APY* |
|---|
| $2,500 – 9,999 | 0.05% | 0.05% |
| $10,000 – 24,999 | 0.05% | 0.05% |
| $25,000 – 99,999 | 0.05% | 0.05% |
| $100,000 + | 0.05% | 0.05% |
Required minimum balance: $50 to open the account, and a $2,500 daily balance
to earn dividends, $2,500 daily balance to avoid monthly $15 service charge.
Business Savings Accounts
Rates Effective: March 1, 2023
| Daily Balance | Rate | APY* |
|---|
| $5 – 2,499 | 0.10% | 0.10% |
| $2,500 – 9,999 | 0.10% | 0.10% |
| $10,000 – 24,999 | 0.10% | 0.10% |
| $25,000 + | 0.10% | 0.10% |
Required minimum balance: $5 to open the account, $100 daily balance to earn
dividends, $100 daily balance to avoid monthly $5 service charge.
Business Money Market Accounts
Rates Effective: March 1, 2023
| Daily Balance | Rate | APY* |
|---|
| $2,500 – 9,999 | 0.25% | 0.25% |
| $10,000 – 24,999 | 0.50% | 0.50% |
| $25,000 – 49,999 | 0.50% | 0.50% |
| $50,000 – 74,999 | 0.75% | 0.75% |
| $75,000 + | 0.85% | 0.85% |
Required minimum balance: $1,500 to open the account, $2,500 daily balance to
earn dividends, $1,500 daily balance to avoid monthly $10 service charge.
Business Titanium Savings Accounts
Rates Effective: March 1, 2023
| Daily Balance | Rate | APY* |
|---|
| $100 – 24,999 | 0.50% | 0.50% |
| $25,000 – 49,999 | 0.65% | 0.65% |
| $50,000 – 99,999 | 0.85% | 0.85% |
| $100,000 - 249,999 | 1.00% | 1.01% |
| $250,000 + | 1.25% | 1.26% |
Required minimum balance: $25,000 to open the account, $100 daily balance to
earn dividends and to avoid the monthly $10.00 service charge.
Business Certificates
Rates Effective: March 1, 2023
| Certificates | Term | Rate | APY* |
|---|
| $1,000 - $9,999 Certificates | 3 Months | 1.00% | 1.01% |
| 6 Months | 2.00% | 2.02% |
| 1 Year | 2.75% | 2.79% |
| 18 Months | 2.80% | 2.84% |
| 2 Years | 2.85% | 2.89% |
| 3 Years | 2.90% | 2.94% |
| 4 Years | 3.00% | 3.05% |
| 5 Years | 3.25% | 3.30% |
| $10,000+ Certificates | 3 Months | 1.00% | 1.01% |
| 6 Months | 2.00% | 2.02% |
| 1 Year | 2.75% | 2.79% |
| 18 Months | 2.80% | 2.84% |
| 2 Years | 2.85% | 2.89% |
| 3 Years | 2.90% | 2.94% |
| 4 Years | 3.00% | 3.05% |
| 5 Years | 3.25% | 3.30% |
NOTE: For all accounts, except Certificate Accounts, dividends are paid from current and available earnings, after required transfers to reserves at the end of
the dividend period. Fees or other conditions could reduce earnings on any of the accounts listed. For all Business Checking, Savings, Money Market
Savings, and IRAs, the prospective Rate and prospective Annual Percentage Yield (APY) are set forth above. The Rate and APY on Savings, and IRA
Accounts may change monthly as determined by the Board of Directors. The Rate and APY on Money Market Savings, Business Titanium Savings and
Certificate Accounts may change daily. The Rate and APY for each Certificate Account are set forth above. If a Certificate Account were opened, the
applicable Rate and APY set forth above would be paid for the length of the term listed for such account. A substantial penalty may be imposed for early
withdrawal on any Certificate Account. For purposes of this disclosure, the Rate and APY were accurate as of the effective date listed above. Please call
831.479.6000 to obtain current rate information, or visit our website at www.bayfed.com.
* Annual Percentage Yield