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Advertiser Disclosure
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 BayCoast Bank Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 28, 2026
BayCoast Bank's 15-Month Statement CD Special rates are at 3.20%, IRA Certificate of Deposit (CD) 15-Month Statement IRA CD Special rates are at 3.20%, Certificate of Deposit (CD) 4 - 5 Year Statement rates are at 0.70%, IRA Certificate of Deposit (CD) 4 - 5 Year Statement rates are at 0.70%, Certificate of Deposit (CD) 3 - Less than 4 Year Statement rates are at 0.50%. BayCoast Bank's savings rates are at 0.10%. BayCoast Bank's money market rates are at 0.10%. BayCoast Bank's Personal Loan Rates are at 14.24%. MonitorBankRates evaluates the financial stability of BayCoast Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.32%. Rates last updated and verified on 08/28/2026. BayCoast Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at BayCoast Bank? Share your experience about BayCoast Bank by leaving a review below, or read customer reviews before you decide to use BayCoast Bank. 
BayCoast Bank CD Rates
BayCoast Bank Savings Rates
BayCoast Bank Money Market Rates
BayCoast Bank Checking Rates
BayCoast Bank Auto Loan Rates
BayCoast Bank Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for BayCoast Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather BayCoast Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with BayCoast Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
BayCoast Bank
Bank Holding Company
NARRAGANSETT FINANCIAL CORP
Address
330 Swansea Mall Dr,
Swansea, MA 02777 · Bristol
Website
https://www.baycoast.bank
FDIC Certificate #
90196
Established
11/15/1851
FDIC Insurance Date
06/18/1985
Domestic Offices
25
Total Branches
25
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 99/100
5.0
Exceptional
Out of 5.0 Stars
1.32%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.3380%
Return on Equity (ROE)
4.3600%
Non-Performing Loans (NPL)
0.10%
Total Assets
$2,848,338,000
Total Deposits
$2,434,755,000
Equity Capital
$257,180,000
Net Income
$11,683,000
Headquarters
Swansea
Total Branches and Offices
25
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
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Frequently Asked Questions About BayCoast BankHow many branches does BayCoast Bank operate?BayCoast Bank currently maintains approximately 25 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, BayCoast Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, BayCoast Bank provides members with tools to manage their accounts and build a solid financial history. Does BayCoast Bank offer online and mobile banking?Most modern institutions like BayCoast Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.baycoast.bank. Current BayCoast Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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