Jumbo Home Loans

Our Jumbo Loan rates have never been lower!* Learn more

Dream Home - Bay Fed Jumbo Loans
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Grow Your Savings Fast

12-Month Certificate
4.08% APY*

6-Month Certificate
3.05% APY*



You don't need a lot of cash to save big!
Start earning on $1,000+

Our Share Certificates offer competitive rates, even with a low balance. Save for your future with your trusted, local financial institution!

  • Open a certificate for as little as $1,000 and you are guaranteed to earn the corresponding interest rate until the term expires.
  • At the end of the term, you can renew your certificate for the current interest rate offered at that time, choose a different term and interest rate, or move your money into another account.
  • Avoid withdrawing money from your certificate before the term is over or you could be charged a substantial penalty.

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What is a Share Certificate? 

A certificate is a savings account that generally earns a higher rate of interest than a regular savings account in exchange for your promise to keep the money in the account for a pre-determined period of time (term). The longer the term, the more interest you are likely to earn.

What is the minimum deposit needed to open a certificate?

The minimum deposit amount needed to open a certificate is $1,000. 




*Annual Percentage Yield (APY) is effective as of December 15, 2022. $1,000 minimum deposit required to open and maintain Certificate account. APY assumes the dividends are reinvested and remain in the account for the full term. Individual Retirement Account (IRA) Certificates are eligible for this offer. Penalty for early withdrawal. Bay Federal Credit Union membership required. This offer is subject to change without notice. Other terms and conditions may apply. For more information, visit any Bay Federal Credit Union branch or call us at 831.479.6000 or toll-free at 888.4BAYFED, option 3.

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