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 Baylands Family Credit Union Rates & Review September 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.
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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: September 3, 2026
Baylands Family Credit Union's 13 Month CD rates are at 3.80%, 13 month CD Special rates are at 3.80%, 60 Month CD rates are at 3.45%, 48 Month CD rates are at 3.35%, 36 Month CD rates are at 3.25%. Baylands Family Credit Union's savings rates are at 0.10%. Baylands Family Credit Union's Personal Loan Rates are at 9.00%. MonitorBankRates evaluates the financial stability of Baylands Family Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.90%. Rates last updated and verified on 09/03/2026. Baylands Family Credit Union 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 Baylands Family Credit Union? Share your experience about Baylands Family Credit Union by leaving a review below, or read customer reviews before you decide to use Baylands Family Credit Union. Baylands Family Credit Union
WEST POINT BRANCH 2004 MAIN STREET
https://www.baylandsfcu.org WEST POINT, VA 23181 
Baylands Family Credit Union CD Rates
Baylands Family Credit Union Savings Rates
Baylands Family Credit Union Money Market Rates
Baylands Family Credit Union Checking Rates
Baylands Family Credit Union Auto Loan Rates
Baylands Family Credit Union Personal Loan Rates
Financial Health HistoryBaylands Family Credit Union’s Texas Ratio stayed near 7.44% in Q2 2023 to 7.90% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Baylands Family Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Baylands Family Credit Union 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 Baylands Family Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Baylands Family Credit Union
Website
https://www.baylandsfcu.org
Address
2004 MAIN STREET,
WEST POINT, VA 23181
Phone
804-843-2520
Fax
804-843-4859
President
Joseph Drexler III
CEO
Teresa Millis
Full-Time Employees
27
Part-Time Employees
2
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.90%
Return on Assets (ROA)
0.1520%
Return on Equity (ROE)
1.6312%
Non-Performing Loans Ratio (NPL)
1.52%
Total Assets
95,282,707
Total Amount of Shares and Deposits
86,030,782
Total Shares and Deposits < 1 Year
82,283,494
Total Shares and Deposits 1 3 Years
3,029,926
Total Shares and Deposits > 3 Years
717,361
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,727,065
Total Uninsured Shares and Deposits > $250K (F+J)
1,727,065
Total Insured Shares and Deposits > $250K (item 17 less item K)
84,303,717
Total Interest Expense (Sum of items 6 8)
176,039
Share Certificates
343
Number of Accounts for Share Drafts
3,842
IRA KEOGH Accounts
242
Number of Accounts for Regular Shares
6,611
All other shares
6
Money Market Shares
335
Net Income (unless the amount is already included in Undivided Earnings)
144,823
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
5,645,342
Total Liabilities
86,543,541
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Add Your Rating and Review for Baylands Family Credit Union
Frequently Asked Questions About Baylands Family Credit UnionHow many branches does Baylands Family Credit Union operate?Baylands Family Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Baylands Family Credit Union?Yes, to access services at Baylands Family Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Baylands Family Credit Union 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, Baylands Family Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Baylands Family Credit Union offer online and mobile banking?Most modern institutions like Baylands Family Credit Union 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.baylandsfcu.org. Current Baylands Family Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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