What are the current interest rates at BayPort Credit Union?

Current rates for BayPort Credit Union include: 12-Month CD: 1.90%, 18-Month CD: 1.90%, 24-Month CD: 1.90%, 60-Month CD: 1.90%, Savings: 5.00%, MMA: 3.00%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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BayPort Credit Union

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BayPort Credit Union Rates & Review October 2026

Q: How many branches does BayPort Credit Union operate?

BayPort 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.

Q: Is a member application needed to join BayPort Credit Union?

Yes, to access services at BayPort 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.

Q: Is there a first-time homebuyer program?

Currently, BayPort 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, BayPort Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

BayPort Credit Union's top rates as of October 10, 2026 are 4.25% APY on its 59 Month CD Special, 5.00% APY on savings, 3.00% APY on money market accounts, 5.00% APY on checking, 6.00% on its Conventional Loans - 15 years (3-year ARM) mortgage, personal loans from 12.24% APR, and credit cards from 11.74% APR, according to rates verified by MonitorBankRates. Other BayPort Credit Union CD rates include 9 Month CD Special at 4.25%, IRA CD - Premier / Select Relationship 59-month Special at 4.25%, and IRA CD - Premier / Select Relationship 9-month Special at 4.25%. Other BayPort Credit Union mortgage rates include New Construction / Permanent Loans - 15 years (3-year ARM) at 6.00%, Conventional Loans - 10 years (3-year ARM) at 6.00%, and New Construction / Permanent Loans - 10 years (3-year ARM) at 6.00%. MonitorBankRates evaluates the financial stability of BayPort Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.37%. Rates last updated and verified on 10/10/2026.

BayPort 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 BayPort Credit Union? Share your experience about BayPort Credit Union by leaving a review below, or read customer reviews before you decide to use BayPort Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.37%

Excellent Lower than avg

Health Trend

Very strong 4 quarters

Full history ›

BayPort Credit Union
Corporate Center

1 BayPort Way Ste 350
Newport News, VA 23606-4571

https://www.bayportcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

BayPort Credit Union CD Rates

Product	Rate	APY	Term
59 Month Certificate Special	4.17%	4.25%	59 months
Min Balance $2,500 Details Premier / Select Relationship Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 4.11% → 4.25% ▲ 0.14 pts · high 4.25% / low 4.11% Oct 10, 20264.25%▲ from 4.11% Sep 30, 20264.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
9 Month Certificate Special	4.17%	4.25%	9 months
Min Balance $2,500 Details Premier / Select Relationship Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 4.11% → 4.25% ▲ 0.14 pts · high 4.25% / low 4.11% Oct 10, 20264.25%▲ from 4.11% Sep 30, 20264.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
IRA Certificate - Premier / Select Relationship 59-month Special	4.17%	4.25%	59 months
Min Deposit $1,000 Min Balance $1,000 Details Premier / Select Relationship Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
IRA Certificate - Premier / Select Relationship 9-month Special	4.17%	4.25%	9 months
Min Deposit $1,000 Min Balance $1,000 Details Premier / Select Relationship Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
59 Month Certificate Special	4.12%	4.20%	59 months
Min Balance $2,500 Details Preferred Relationship Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05% Oct 10, 20264.20%▲ from 4.05% Sep 30, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
9 Month Certificate Special	4.12%	4.20%	9 months
Min Balance $2,500 Details Preferred Relationship Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05% Oct 10, 20264.20%▲ from 4.05% Sep 30, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
IRA Certificate - Preferred Relationship 59-month Special	4.12%	4.20%	59 months
Min Deposit $1,000 Min Balance $1,000 Details Preferred Relationship Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
IRA Certificate - Preferred Relationship 9-month Special	4.12%	4.20%	9 months
Min Deposit $1,000 Min Balance $1,000 Details Preferred Relationship Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
19 Month Certificate Special	3.93%	4.00%	19 months
Min Balance $2,500 Details Premier / Select Relationship Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
IRA Certificate - Premier / Select Relationship 19-month Special	3.93%	4.00%	19 months
Min Deposit $1,000 Min Balance $1,000 Details Premier / Select Relationship Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
19 Month Certificate Special	3.88%	3.95%	19 months
Min Balance $2,500 Details Preferred Relationship Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
IRA Certificate - Preferred Relationship 19-month Special	3.88%	3.95%	19 months
Min Deposit $1,000 Min Balance $1,000 Details Preferred Relationship Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.95% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
59 Month Certificate Special	3.87%	3.94%	59 months
Min Balance $2,500 Details Regular Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 3.79% → 3.94% ▲ 0.15 pts · high 3.94% / low 3.79% Oct 10, 20263.94%▲ from 3.79% Sep 30, 20263.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
9 Month Certificate Special	3.87%	3.94%	9 months
Min Balance $2,500 Details Regular Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 3.79% → 3.94% ▲ 0.15 pts · high 3.94% / low 3.79% Oct 10, 20263.94%▲ from 3.79% Sep 30, 20263.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
IRA Certificate - Regular 59-month Special	3.87%	3.94%	59 months
Min Deposit $1,000 Min Balance $1,000 Details Regular Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.94% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
IRA Certificate - Regular 9-month Special	3.87%	3.94%	9 months
Min Deposit $1,000 Min Balance $1,000 Details Regular Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.94% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
19 Month Certificate Special	3.63%	3.69%	19 months
Min Balance $2,500 Details Regular Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.69% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
IRA Certificate - Regular 19-month Special	3.63%	3.69%	19 months
Min Deposit $1,000 Min Balance $1,000 Details Regular Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.69% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
25-month Flex	3.59%	3.65%
Min Balance $5,000 Details Premier / Select Relationship Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
37 Month Certificate Special	3.45%	3.51%	37 months
Min Balance $2,500 Details Premier / Select Relationship Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.51% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
IRA Certificate - Premier / Select Relationship 37-month Special	3.45%	3.51%	37 months
Min Deposit $1,000 Min Balance $1,000 Details Premier / Select Relationship Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.51% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
37 Month Certificate Special	3.40%	3.45%	37 months
Min Balance $2,500 Details Preferred Relationship Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
IRA Certificate - Preferred Relationship 37-month Special	3.40%	3.45%	37 months
Min Deposit $1,000 Min Balance $1,000 Details Preferred Relationship Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
37 Month Certificate Special	3.15%	3.20%	37 months
Min Balance $2,500 Details Regular Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
IRA Certificate - Regular 37-month Special	3.15%	3.20%	37 months
Min Deposit $1,000 Min Balance $1,000 Details Regular Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
12 Month Certificate	2.18%	2.20%	12 months
Min Balance $1,000 Details Premier / Select Relationship Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
18 Month Certificate	2.18%	2.20%	18 months
Min Balance $1,000 Details Premier / Select Relationship Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
24 Month Certificate	2.18%	2.20%	24 months
Min Balance $1,000 Details Premier / Select Relationship Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
30 Month Certificate	2.18%	2.20%	30 months
Min Balance $1,000 Details Premier / Select Relationship Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
36 Month Certificate	2.18%	2.20%	36 months
Min Balance $1,000 Details Premier / Select Relationship Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
48 Month Certificate	2.18%	2.20%	48 months
Min Balance $1,000 Details Premier / Select Relationship Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
60 Month Certificate	2.18%	2.20%	60 months
Min Balance $1,000 Details Premier / Select Relationship Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
IRA Certificate - Premier / Select Relationship 1-year	2.18%	2.20%	1 year
Min Deposit $1,000 Min Balance $1,000 Details Premier / Select Relationship Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
IRA Certificate - Premier / Select Relationship 2-year	2.18%	2.20%	2 year
Min Deposit $1,000 Min Balance $1,000 Details Premier / Select Relationship Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
IRA Certificate - Premier / Select Relationship 3-year	2.18%	2.20%	3 year
Min Deposit $1,000 Min Balance $1,000 Details Premier / Select Relationship Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
IRA Certificate - Premier / Select Relationship 4-year	2.18%	2.20%	4 year
Min Deposit $1,000 Min Balance $1,000 Details Premier / Select Relationship Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
IRA Certificate - Premier / Select Relationship 5-year	2.18%	2.20%	5 year
Min Deposit $1,000 Min Balance $1,000 Details Premier / Select Relationship Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
12 Month Certificate	2.13%	2.15%	12 months
Min Balance $1,000 Details Preferred Relationship Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
18 Month Certificate	2.13%	2.15%	18 months
Min Balance $1,000 Details Preferred Relationship Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
24 Month Certificate	2.13%	2.15%	24 months
Min Balance $1,000 Details Preferred Relationship Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
30 Month Certificate	2.13%	2.15%	30 months
Min Balance $1,000 Details Preferred Relationship Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
36 Month Certificate	2.13%	2.15%	36 months
Min Balance $1,000 Details Preferred Relationship Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
48 Month Certificate	2.13%	2.15%	48 months
Min Balance $1,000 Details Preferred Relationship Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
60 Month Certificate	2.13%	2.15%	60 months
Min Balance $1,000 Details Preferred Relationship Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
IRA Certificate - Preferred Relationship 1-year	2.13%	2.15%	1 year
Min Deposit $1,000 Min Balance $1,000 Details Preferred Relationship Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
IRA Certificate - Preferred Relationship 2-year	2.13%	2.15%	2 year
Min Deposit $1,000 Min Balance $1,000 Details Preferred Relationship Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
IRA Certificate - Preferred Relationship 3-year	2.13%	2.15%	3 year
Min Deposit $1,000 Min Balance $1,000 Details Preferred Relationship Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
IRA Certificate - Preferred Relationship 4-year	2.13%	2.15%	4 year
Min Deposit $1,000 Min Balance $1,000 Details Preferred Relationship Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
IRA Certificate - Preferred Relationship 5-year	2.13%	2.15%	5 year
Min Deposit $1,000 Min Balance $1,000 Details Preferred Relationship Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
12 Month Certificate	1.88%	1.90%	12 months
Min Balance $1,000 Details Regular Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
18 Month Certificate	1.88%	1.90%	18 months
Min Balance $1,000 Details Regular Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
24 Month Certificate	1.88%	1.90%	24 months
Min Balance $1,000 Details Regular Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
30 Month Certificate	1.88%	1.90%	30 months
Min Balance $1,000 Details Regular Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
36 Month Certificate	1.88%	1.90%	36 months
Min Balance $1,000 Details Regular Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
48 Month Certificate	1.88%	1.90%	48 months
Min Balance $1,000 Details Regular Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
60 Month Certificate	1.88%	1.90%	60 months
Min Balance $1,000 Details Regular Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
IRA Certificate - Regular 1-year	1.88%	1.90%	1 year
Min Deposit $1,000 Min Balance $1,000 Details Regular Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
IRA Certificate - Regular 2-year	1.88%	1.90%	2 year
Min Deposit $1,000 Min Balance $1,000 Details Regular Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
IRA Certificate - Regular 3-year	1.88%	1.90%	3 year
Min Deposit $1,000 Min Balance $1,000 Details Regular Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
IRA Certificate - Regular 4-year	1.88%	1.90%	4 year
Min Deposit $1,000 Min Balance $1,000 Details Regular Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
IRA Certificate - Regular 5-year	1.88%	1.90%	5 year
Min Deposit $1,000 Min Balance $1,000 Details Regular Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
6 Month Certificate	1.54%	1.55%	6 months
Min Balance $1,000 Details Premier / Select Relationship Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
6 Month Certificate	1.49%	1.50%	6 months
Min Balance $1,000 Details Preferred Relationship Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
91 Day Certificate	1.35%	1.36%	91 days
Min Balance $1,000 Details Premier / Select Relationship Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.36% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
91 Day Certificate	1.30%	1.31%	91 days
Min Balance $1,000 Details Preferred Relationship Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.31% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
6 Month Certificate	1.24%	1.25%	6 months
Min Balance $1,000 Details Regular Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
91 Day Certificate	1.05%	1.05%	91 days
Min Balance $1,000 Details Regular Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%

BayPort Credit Union Savings Rates

Product	Rate	APY
Fast Start Savings	4.91%	5.00%
Min Deposit $5 Min Balance $0 Details Balance: $0-500 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 5.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Fast Start Savings	2.97%	3.00%
Min Deposit $5 Min Balance $500 Details Balance: $500.01-1,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
High Yield Savings	2.47%	2.50%
Min Deposit $25 Min Balance $0 Details Balance: $0-100,000 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
IRA Savings	0.25%	0.25%
Min Deposit $100 Min Balance $100 Details Balance: $100+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Christmas & Vacation Club	0.15%	0.15%
Min Balance $2,000 Details Balance: $2,000+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Fast Start Savings	0.15%	0.15%
Min Deposit $5 Min Balance $2,000 Details Balance: $2,000+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
High Yield Savings	0.15%	0.15%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000.01+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Savings	0.15%	0.15%
Min Deposit $5 Min Balance $2,000 Details Balance: $2,000+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Christmas & Vacation Club	0.05%	0.05%
Min Balance $100 Details Balance: $100-1,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Savings	0.05%	0.05%
Min Deposit $5 Min Balance $100 Details Balance: $100-1,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%

BayPort Credit Union Money Market Rates

Product	Rate	APY
Pinnacle Money Market	2.96%	3.00%
Min Deposit $2,500 Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Pinnacle Money Market	2.76%	2.80%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000-999,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Pinnacle Money Market	1.88%	1.90%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000-499,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Pinnacle Money Market	1.54%	1.55%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000-249,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Pinnacle Money Market	1.39%	1.40%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000-99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Pinnacle Money Market	1.29%	1.30%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Pinnacle Money Market	0.50%	0.50%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500-9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Pinnacle Money Market	0.50%	0.50%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000-24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Money Market	0.25%	0.25%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000-49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Money Market	0.25%	0.25%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Money Market	0.20%	0.20%
Min Deposit $25 Min Balance $2,500 Details Balance: $2,500-9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Money Market	0.20%	0.20%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000-24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%

BayPort Credit Union Checking Rates

Product	Rate	APY
High Yield Checking	4.89%	5.00%
Min Deposit $25 Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0-15,000 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 5.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
High Yield Checking	-	5.00%
Min Balance $15,000 Details Qualifications Required: 1 direct deposit or ACH credit; 15 or more debit card purchases (signature or pin based) post and settle to your account by the last day of the month; one monthly ACH debit (payment) or credit (direct deposit); Earn 70x the national average rate! Nationwide ATM fee refunds up to $15/month. Use promo code $GAINS. Qualifying balance up to $15,000.00 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 5.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
High Yield Checking	0.15%	0.15%
Min Deposit $25 Min Balance $15,000 Details Balance: $15,000.01+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Free Classic Checking	0.05%	0.05%
Min Deposit $25 Min Balance $1,000 Details Balance: $1,000+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%

BayPort Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Conventional Loans - 15 years (3-year ARM)	6.00%	-	6.22%	15 years
Details Origination Fee: $995; Margin: 2.25% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 5.71% → 6.22% ▲ 0.51 pts · high 6.22% / low 5.71% Oct 6, 20266.22%▲ from 5.71% Sep 30, 20265.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New Construction / Permanent Loans - 15 years (3-year ARM)	6.00%	-	6.26%	15 years
Details Origination Fee: $995; Margin: 2.25% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 5.75% → 6.26% ▲ 0.51 pts · high 6.26% / low 5.75% Oct 6, 20266.26%▲ from 5.75% Sep 30, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Conventional Loans - 10 years (3-year ARM)	6.00%	-	6.31%	10 years
Details Origination Fee: $995; Margin: 2.25% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 5.79% → 6.31% ▲ 0.52 pts · high 6.31% / low 5.79% Oct 6, 20266.31%▲ from 5.79% Sep 30, 20265.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New Construction / Permanent Loans - 10 years (3-year ARM)	6.00%	-	6.37%	10 years
Details Origination Fee: $995; Margin: 2.25% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 5.86% → 6.37% ▲ 0.51 pts · high 6.37% / low 5.86% Oct 6, 20266.37%▲ from 5.86% Sep 30, 20265.86%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Conventional Loans - 20 years (3-year ARM)	6.25%	-	6.43%	20 years
Details Origination Fee: $995; Margin: 2.50% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 5.92% → 6.43% ▲ 0.51 pts · high 6.43% / low 5.92% Oct 6, 20266.43%▲ from 5.92% Sep 30, 20265.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New Construction / Permanent Loans - 20 years (3-year ARM)	6.25%	-	6.46%	20 years
Details Origination Fee: $995; Margin: 2.50% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 5.95% → 6.46% ▲ 0.51 pts · high 6.46% / low 5.95% Oct 6, 20266.46%▲ from 5.95% Sep 30, 20265.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Retire My Mortgage (RMM) - 10 years	6.25%	0	6.51%	10 years
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 6.00% → 6.51% ▲ 0.51 pts · high 6.51% / low 6.00% Oct 6, 20266.51%▲ from 6.00% Sep 30, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Conventional Loans - 30 years (3-year ARM)	6.50%	-	6.64%	30 years
Details Origination Fee: $995; Margin: 2.75% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 6.13% → 6.64% ▲ 0.51 pts · high 6.64% / low 6.13% Oct 6, 20266.64%▲ from 6.13% Sep 30, 20266.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New Construction / Permanent Loans - 30 years (3-year ARM)	6.50%	-	6.66%	30 years
Details Origination Fee: $995; Margin: 2.75% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 6.16% → 6.66% ▲ 0.50 pts · high 6.66% / low 6.16% Oct 6, 20266.66%▲ from 6.16% Sep 30, 20266.16%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Retire My Mortgage (RMM) - 15 years	6.49%	0	6.68%	15 years
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 6.17% → 6.68% ▲ 0.51 pts · high 6.68% / low 6.17% Oct 6, 20266.68%▲ from 6.17% Sep 30, 20266.17%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Conventional Loans - 30 years (5-year ARM)	6.625%	-	6.76%	30 years
Details Origination Fee: $995; Margin: 2.75% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 6.26% → 6.76% ▲ 0.50 pts · high 6.76% / low 6.26% Oct 6, 20266.76%▲ from 6.26% Sep 30, 20266.26%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New Construction / Permanent Loans - 30 years (5-year ARM)	6.625%	-	6.79%	30 years
Details Origination Fee: $995; Margin: 2.75% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 6.28% → 6.79% ▲ 0.51 pts · high 6.79% / low 6.28% Oct 6, 20266.79%▲ from 6.28% Sep 30, 20266.28%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Conventional Loans - 15 years	6.375%	1.625	6.86%	15 years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.86% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Conventional Loans - 30 years (10-year ARM)	6.75%	-	6.89%	30 years
Details Origination Fee: $995; Margin: 2.75% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 6.38% → 6.89% ▲ 0.51 pts · high 6.89% / low 6.38% Oct 6, 20266.89%▲ from 6.38% Sep 30, 20266.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New Construction / Permanent Loans - 30 years (10-year ARM)	6.75%	-	6.92%	30 years
Details Origination Fee: $995; Margin: 2.75% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 6.41% → 6.92% ▲ 0.51 pts · high 6.92% / low 6.41% Oct 6, 20266.92%▲ from 6.41% Sep 30, 20266.41%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Conventional Loans - 15 years	7.00%	0	7.23%	15 years
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 7.36% → 7.23% ▼ 0.13 pts · high 7.36% / low 7.23% Oct 10, 20267.23%▼ from 7.36% Sep 30, 20267.36%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Fixed Rate Mortgages - VA Loan - 30 years Loan	7.125%	0	7.29%	30 years
No additional details. Last Updated 10/10/2026 Rate History 2 changes since Sep 30, 2026 · 7.54% → 7.29% ▼ 0.25 pts · high 7.67% / low 7.29% Oct 10, 20267.29%▼ from 7.67% Oct 6, 20267.67%▲ from 7.54% Sep 30, 20267.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Conventional Loans - 30 years	6.99%	1.75	7.31%	30 years
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 7.32% → 7.31% ▼ 0.01 pts · high 7.32% / low 7.31% Oct 10, 20267.31%▼ from 7.32% Sep 30, 20267.32%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
FHA Loan - 30 years	7.25%	.625	7.49%	30 years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Conventional Loans - 30 years	7.50%	0	7.65%	30 years
No additional details. Last Updated 10/10/2026 Rate History 2 changes since Sep 30, 2026 · 7.65% → 7.65% ▼ 0.00 pts · high 7.78% / low 7.65% Oct 10, 20267.65%▼ from 7.78% Oct 2, 20267.78%▲ from 7.65% Sep 30, 20267.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%

BayPort Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	6.39%	5 years
Details CLTV: 80% or less Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 6.39% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Home Equity Line of Credit	-	-	6.74%	12 years
Details Term: 12 years (2-year draw); CLTV: 80% or less Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 6.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Home Equity Loan	-	-	6.74%	10 years
Details CLTV: 80% or less Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 6.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Home Equity Line of Credit	-	-	7.74%	17 years
Details Term: 17 years (2-year draw); CLTV: 80% or less Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 7.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Home Equity Loan	-	-	7.74%	15 years
Details CLTV: 80% or less Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 7.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Home Equity Loan	-	-	8.24%	5 years
Details CLTV: 80.01-90% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 8.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Home Equity Line of Credit	-	-	8.49%	12 years
Details Term: 12 years (2-year draw); CLTV: 80.01-90% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 8.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Home Equity Loan	-	-	8.49%	5 years
Details CLTV: 90.01-100% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 8.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Home Equity Loan	-	-	8.49%	10 years
Details CLTV: 80.01-90% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 8.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Home Equity Line of Credit	-	-	8.74%	12 years
Details Term: 12 years (2-year draw); CLTV: 90.01-100% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 8.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Home Equity Loan	-	-	8.74%	10 years
Details CLTV: 90.01-100% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 8.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Home Equity Line of Credit	-	-	9.24%	17 years
Details Term: 17 years (2-year draw); CLTV: 80.01-90% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 9.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Home Equity Loan	-	-	9.24%	15 years
Details CLTV: 80.01-90% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 9.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Home Equity Line of Credit	-	-	9.49%	17 years
Details Term: 17 years (2-year draw); CLTV: 90.01-100% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 9.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Home Equity Loan	-	-	9.49%	15 years
Details CLTV: 90.01-100% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 9.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%

BayPort Credit Union Credit Card Rates

Product	Rate	APR
Mastercard Platinum Preferred	-	11.74%
Details Published APR range: 11.74-18.00%. Regular APR: 11.74%-18.00% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 11.49% → 11.74% ▲ 0.25 pts · high 11.74% / low 11.49% Oct 1, 202611.74%▲ from 11.49% Sep 30, 202611.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Mastercard Platinum Rewards	-	12.74%
Details Published APR range: 12.74-18.00%. Regular APR: 12.74%-18.00% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 12.49% → 12.74% ▲ 0.25 pts · high 12.74% / low 12.49% Oct 1, 202612.74%▲ from 12.49% Sep 30, 202612.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Mastercard Platinum Cash Back	-	13.74%
Details Published APR range: 13.74-18.00%. Regular APR: 13.74%-18.00% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 13.49% → 13.74% ▲ 0.25 pts · high 13.74% / low 13.49% Oct 1, 202613.74%▲ from 13.49% Sep 30, 202613.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%

BayPort Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	12.24%	up to 72 months
Details Published APR range: 12.24% to 17.99%. Daily Periodic Rate: 0.0335% to 0.0493% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 12.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%

BayPort Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Double-Wide Mobile Home Loan	7.625%	-	7.83%	20 years
Details Term: 20 years (3-year ARM); Origination Fee: $995; Margin: 2.50% Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.83% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Double-Wide Mobile Home Loan	7.50%	-	7.75%	15 years
Details Term: 15 years (3-year ARM); Origination Fee: $995; Margin: 2.25% Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Double-Wide Mobile Home Loan	7.50%	-	7.84%	10 years
Details Term: 10 years (3-year ARM); Origination Fee: $995; Margin: 2.25% Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.84% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
FlexLine Line of Credit	-	-	13.99%
Details Published APR range: 13.99% to 17.99%. Daily Periodic Rate: 0.0383% to 0.0493% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 13.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New 2025+ Under 10,000 Miles Loan	-	-	4.99%	12-48 months
Details APR* up to 17.99% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New 2025+ Under 10,000 Miles Loan	-	-	5.09%	49-60 months
Details APR* up to 17.99% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 5.09% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New 2025+ Under 10,000 Miles Loan	-	-	5.49%	61-66 months
Details APR* up to 17.99% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New 2025+ Under 10,000 Miles Loan	-	-	5.74%	67-75 months
Details APR* up to 17.99% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New 2025+ Under 10,000 Miles Loan	-	-	6.74%	76-84 months
Details APR* up to 17.99% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New 2025+ Under 10,000 Miles Loan	-	-	5.24%	12-48 months
Details Daily Periodic Rate: 0.0144% to 0.0493%; APR* up to: 17.99% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99% Oct 6, 20265.24%▲ from 4.99% Sep 30, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New 2025+ Under 10,000 Miles Loan	-	-	5.34%	49-60 months
Details Daily Periodic Rate: 0.0146% to 0.0493%; APR* up to: 17.99% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 5.09% → 5.34% ▲ 0.25 pts · high 5.34% / low 5.09% Oct 6, 20265.34%▲ from 5.09% Sep 30, 20265.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New 2025+ Under 10,000 Miles Loan	-	-	5.74%	61-66 months
Details Daily Periodic Rate: 0.0157% to 0.0493%; APR* up to: 17.99% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49% Oct 6, 20265.74%▲ from 5.49% Sep 30, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New 2025+ Under 10,000 Miles Loan	-	-	5.99%	67-75 months
Details Daily Periodic Rate: 0.0164% to 0.0493%; APR* up to: 17.99% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74% Oct 6, 20265.99%▲ from 5.74% Sep 30, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New 2025+ Under 10,000 Miles Loan	-	-	6.99%	76-84 months
Details Daily Periodic Rate: 0.0192% to 0.0493%; APR* up to: 17.99% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 6.74% → 6.99% ▲ 0.25 pts · high 6.99% / low 6.74% Oct 6, 20266.99%▲ from 6.74% Sep 30, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New 2025+ Under 10,000 Miles Loan	-	-	6.24%	12-48 months
Details APR* up to 18.00% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 6.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New 2025+ Under 10,000 Miles Loan	-	-	18.00%	12-48 months
Details APR* as low as 6.24% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 6.24% → 18.00% ▲ 11.76 pts · high 18.00% / low 6.24% Oct 6, 202618.00%▲ from 6.24% Sep 30, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New 2025+ Under 10,000 Miles Loan	-	-	6.34%	49-60 months
Details APR* up to 18.00% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 6.34% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New 2025+ Under 10,000 Miles Loan	-	-	18.00%	49-60 months
Details APR* as low as 6.34% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 6.34% → 18.00% ▲ 11.66 pts · high 18.00% / low 6.34% Oct 6, 202618.00%▲ from 6.34% Sep 30, 20266.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New 2025+ Under 10,000 Miles Loan	-	-	6.74%	61-66 months
Details APR* up to 18.00% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New 2025+ Under 10,000 Miles Loan	-	-	18.00%	61-66 months
Details APR* as low as 6.74% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 6.74% → 18.00% ▲ 11.26 pts · high 18.00% / low 6.74% Oct 6, 202618.00%▲ from 6.74% Sep 30, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New 2025+ Under 10,000 Miles Loan	-	-	6.99%	67-75 months
Details APR* up to 18.00% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New 2025+ Under 10,000 Miles Loan	-	-	18.00%	67-75 months
Details APR* as low as 6.99% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 6.99% → 18.00% ▲ 11.01 pts · high 18.00% / low 6.99% Oct 6, 202618.00%▲ from 6.99% Sep 30, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New 2025+ Under 10,000 Miles Loan	-	-	7.99%	76-84 months
Details APR* up to 18.00% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New 2025+ Under 10,000 Miles Loan	-	-	18.00%	76-84 months
Details APR* as low as 7.99% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 7.99% → 18.00% ▲ 10.01 pts · high 18.00% / low 7.99% Oct 6, 202618.00%▲ from 7.99% Sep 30, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New 2025+ Under 10,000 Miles Loan	-	-	8.49%	85-120 months
Details APR* up to 18.00% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 8.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New 2025+ Under 10,000 Miles Loan	-	-	18.00%	85-120 months
Details APR* as low as 8.49% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 8.49% → 18.00% ▲ 9.51 pts · high 18.00% / low 8.49% Oct 6, 202618.00%▲ from 8.49% Sep 30, 20268.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New 2025+ Under 10,000 Miles Loan	-	-	8.99%	121-180 months
Details APR* up to 18.00% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 8.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New 2025+ Under 10,000 Miles Loan	-	-	18.00%	121-180 months
Details APR* as low as 8.99% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 8.99% → 18.00% ▲ 9.01 pts · high 18.00% / low 8.99% Oct 6, 202618.00%▲ from 8.99% Sep 30, 20268.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Single-Wide Mobile Home Loan	7.75%	-	8.00%	15 years
Details Term: 15 years (3-year ARM); Origination Fee: $995; Margin: 2.25% Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Single-Wide Mobile Home Loan	7.75%	-	8.10%	10 years
Details Term: 10 years (3-year ARM); Origination Fee: $995; Margin: 2.25% Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.10% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Unimproved Property Loan	9.375%	-	9.77%	10 years
Details Term: 10 years (3-year ARM); Origination Fee: $995; Margin: 3.50% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 9.26% → 9.77% ▲ 0.51 pts · high 9.77% / low 9.26% Oct 6, 20269.77%▲ from 9.26% Sep 30, 20269.26%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Unimproved Property Loan	9.625%	-	10.03%	10 years (Fixed)
Details Origination Fee: $995 Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 9.51% → 10.03% ▲ 0.52 pts · high 10.03% / low 9.51% Oct 6, 202610.03%▲ from 9.51% Sep 30, 20269.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Unimproved Property Loan	8.125%	-	8.39%	15 years
Details Term: 15 years (2-year Balloon); Origination Fee: $995 Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 7.88% → 8.39% ▲ 0.51 pts · high 8.39% / low 7.88% Oct 6, 20268.39%▲ from 7.88% Sep 30, 20267.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Unimproved Property Loan	8.375%	-	8.64%	15 years
Details Term: 15 years (3-year Balloon); Origination Fee: $995 Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 8.13% → 8.64% ▲ 0.51 pts · high 8.64% / low 8.13% Oct 6, 20268.64%▲ from 8.13% Sep 30, 20268.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Unimproved Property Loan	8.75%	-	9.03%	15 years
Details Term: 15 years (5-year Balloon); Origination Fee: $995 Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 8.51% → 9.03% ▲ 0.52 pts · high 9.03% / low 8.51% Oct 6, 20269.03%▲ from 8.51% Sep 30, 20268.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Unimproved Property Loan	9.875%	-	10.18%	15 years
Details Term: 15 years (10-year Balloon); Origination Fee: $995 Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 9.66% → 10.18% ▲ 0.52 pts · high 10.18% / low 9.66% Oct 6, 202610.18%▲ from 9.66% Sep 30, 20269.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Unimproved Property Loan	8.875%	-	9.10%	20 years
Details Term: 20 years (5-year Balloon); Origination Fee: $995 Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 8.59% → 9.10% ▲ 0.51 pts · high 9.10% / low 8.59% Oct 6, 20269.10%▲ from 8.59% Sep 30, 20268.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Unimproved Property Loan	9.125%	-	9.31%	30 years
Details Term: 30 years (5-year Balloon); Origination Fee: $995 Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 8.80% → 9.31% ▲ 0.51 pts · high 9.31% / low 8.80% Oct 6, 20269.31%▲ from 8.80% Sep 30, 20268.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Used Over 6 Years Old Loan	-	-	6.39%	6 Years
Details Additional APR listed for this product: 6.49%, 6.89%, 7.14%, 8.14%. APR* up to 17.99% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 6.39% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Used Over 6 Years Old Loan	-	-	6.64%	6 Years
Details Daily Periodic Rate: 0.0182% to 0.0493%; APR* up to: 17.99% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 6.49% → 6.64% ▲ 0.15 pts · high 6.64% / low 6.49% Oct 6, 20266.64%▲ from 6.49% Sep 30, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Used Over 6 Years Old Loan	-	-	6.74%	6 Years
Details Daily Periodic Rate: 0.0185% to 0.0493%; APR* up to: 17.99% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 6.89% → 6.74% ▼ 0.15 pts · high 6.89% / low 6.74% Oct 6, 20266.74%▼ from 6.89% Sep 30, 20266.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Used Over 6 Years Old Loan	-	-	7.39%	6 Years
Details Daily Periodic Rate: 0.0202% to 0.0493%; APR* up to: 17.99% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 7.14% → 7.39% ▲ 0.25 pts · high 7.39% / low 7.14% Oct 6, 20267.39%▲ from 7.14% Sep 30, 20267.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Used Over 6 Years Old Loan	-	-	8.39%	6 Years
Details Daily Periodic Rate: 0.0230% to 0.0493%; APR* up to: 17.99% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 8.39% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Used Over 6 Years Old Loan	-	-	7.64%	6 Years
Details Additional APR listed for this product: 7.74%, 9.39%, 9.89%, 10.39%. APR* up to 18.00% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 7.64% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Used Over 6 Years Old Loan	-	-	18.00%	6 Years
Details APR* as low as 7.64% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 10.39% → 18.00% ▲ 7.61 pts · high 18.00% / low 10.39% Oct 6, 202618.00%▲ from 10.39% Sep 30, 202610.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Used Up to 6 Years Old Loan	-	-	5.39%	6 Years
Details Additional APR listed for this product: 5.49%, 5.89%, 6.14%, 7.14%. APR* up to 17.99% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 5.39% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Used Up to 6 Years Old Loan	-	-	5.64%	6 Years
Details Daily Periodic Rate: 0.0155% to 0.0493%; APR* up to: 17.99% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 5.49% → 5.64% ▲ 0.15 pts · high 5.64% / low 5.49% Oct 6, 20265.64%▲ from 5.49% Sep 30, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Used Up to 6 Years Old Loan	-	-	5.74%	6 Years
Details Daily Periodic Rate: 0.0163% to 0.0493%; APR* up to: 17.99% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 5.89% → 5.74% ▼ 0.15 pts · high 5.89% / low 5.74% Oct 6, 20265.74%▼ from 5.89% Sep 30, 20265.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Used Up to 6 Years Old Loan	-	-	6.39%	6 Years
Details Daily Periodic Rate: 0.0175% to 0.0493%; APR* up to: 17.99% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 6.14% → 6.39% ▲ 0.25 pts · high 6.39% / low 6.14% Oct 6, 20266.39%▲ from 6.14% Sep 30, 20266.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Used Up to 6 Years Old Loan	-	-	7.39%	6 Years
Details Daily Periodic Rate: 0.0202% to 0.0493%; APR* up to: 17.99% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 7.39% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Used Up to 6 Years Old Loan	-	-	6.64%	6 Years
Details Additional APR listed for this product: 6.74%, 8.39%, 8.89%, 9.39%. APR* up to 18.00% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 6.64% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Used Up to 6 Years Old Loan	-	-	18.00%	6 Years
Details APR* as low as 6.64% Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 9.39% → 18.00% ▲ 8.61 pts · high 18.00% / low 9.39% Oct 6, 202618.00%▲ from 9.39% Sep 30, 20269.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

BayPort Credit Union’s Texas Ratio fell from 5.01% in Q3 2025 to 4.37% in Q2 2026, so its financial health has stayed very strong over the past 4 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.8B	4.37%	5.0	A+
March 31, 2026	$2.8B	4.39%	5.0	A+
December 31, 2025	$2.7B	5.25%	5.0	A+
September 30, 2025	$2.7B	5.01%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for BayPort 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 BayPort 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 BayPort Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name BayPort Credit Union

Website https://www.bayportcu.org

Address 1 BayPort Way Ste 350, Newport News, VA 23606-4571

Phone 757-928-8850

Fax

President Maureen Davis

CEO James Mears

Full-Time Employees 505

Part-Time Employees 33

Branch Locations 31

ATM Locations 27

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.37%

Return on Assets (ROA)

0.5461%

Return on Equity (ROE)

4.8507%

Non-Performing Loans Ratio (NPL)

0.71%

Total Assets

2,780,782,512

Total Amount of Shares and Deposits

2,381,880,455

Total Shares and Deposits < 1 Year

2,274,165,095

Total Shares and Deposits 1 3 Years

80,141,083

Total Shares and Deposits > 3 Years

27,574,276

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

288,792,968

Total Uninsured Shares and Deposits > $250K (F+J)

288,792,968

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,093,087,487

Total Interest Expense (Sum of items 6 8)

21,227,903

Share Certificates

14,731

Number of Accounts for Share Drafts

101,480

IRA KEOGH Accounts

10,707

Number of Accounts for Regular Shares

192,417

Money Market Shares

11,959

Net Income (unless the amount is already included in Undivided Earnings)

15,186,693

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)

33,125,415

Total Liabilities

2,476,053,696

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

BayPort Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About BayPort Credit Union

How many branches does BayPort Credit Union operate?

BayPort 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 BayPort Credit Union?

Yes, to access services at BayPort 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, BayPort 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, BayPort Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does BayPort Credit Union offer online and mobile banking?

Most modern institutions like BayPort 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.bayportcu.org.

Current BayPort Credit Union Rates

12-Month CD1.90%
18-Month CD1.90%
24-Month CD1.90%
60-Month CD1.90%
Savings5.00%
MMA3.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

BayPort Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

BayPort Credit Union Texas Ratio

BayPort Credit Union Health Trend

BayPort Credit Union CD Rates

BayPort Credit Union Savings Rates

BayPort Credit Union Money Market Rates

BayPort Credit Union Checking Rates

BayPort Credit Union Mortgage Rates

BayPort Credit Union Home Equity & HELOC

BayPort Credit Union Credit Card Rates

BayPort Credit Union Personal Loan Rates

BayPort Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

BayPort Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About BayPort Credit Union

How many branches does BayPort Credit Union operate?

Is a member application needed to join BayPort Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does BayPort Credit Union offer online and mobile banking?

Current BayPort Credit Union Rates

Compare to Other Credit Unions