BAY CITIES CREDIT UNION

Welcome to Bay Cities Credit Union, where our commitment to serving you goes beyond just banking. Located at 22777 Main St, Hayward, CA 94541, we have proudly been a part of this community since 1953. With over 7,370 members, we focus on providing personalized services that make a difference in your financial journey. At Bay Cities, our total assets stand at an impressive $76,537,839, and we hold $2,257,132 in deposits. Our dedicated team of 18 employees, led by CEO Georgette Munoz and Board President Norman Weisbrod, is here to ensure you receive the best support tailored to your needs. We offer a variety of products such as auto loans, personal banking services, and business loans, all designed to empower you financially. While our branch address is where you can visit us for in-person assistance, please direct any official correspondence to our mailing address: P.O. Box 30, Hayward, CA 94543. Whether you're looking for assistance with loans where we currently manage 3,220 loans and leases or simply want to open a new account online through our website at baycities.org, we're just a call away at 510-690-6100. Explore the wealth of opportunities available to you and experience how Bay Cities Credit Union truly values each member's financial well-being. Join us today; together, let's build a brighter financial future!

At Bay Cities, we believe that everyone deserves a chance to be part of a supportive financial community. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the Hayward area, you're likely eligible to join us. We're dedicated to providing personalized services that meet your needs, whether it's through checking accounts, loans, or financial advice. To explore the specific criteria for membership, feel free to visit our detailed guide at https://www.baycities.org/about-us/membership/ . Joining is just the beginning; as a member, you'll enjoy exclusive benefits designed to help you thrive financially. Opening an account is easy too! You can start your journey with us by visiting our account opening page at https://www.baycities.org/applications/ . If you have any questions or need assistance along the way, don't hesitate to reach out at (510) 690-6100. We're excited to welcome you to the Bay Cities family and look forward to supporting you on your financial journey!

At Bay Cities, we understand that managing your finances should be as easy and secure as possible. Our digital and online banking services are designed to give you 24/7 access to your accounts, allowing you to handle your banking needs whenever and wherever it suits you best. With our online banking platform, available at https://www.baycities.org/ , you can check balances, transfer funds, and pay bills in just a few clicks. Whether you're at home or on the go, you'll always have control over your finances right at your fingertips. Plus, with features like person-to-person transfers, sending money to friends and family is quick and straightforward. For those who prefer mobile banking, our dedicated mobile application makes it even easier to stay connected. You can manage your accounts directly from your smartphone or tablet, ensuring you never miss a beat when it comes to your financial health. We also offer e-statements for those who want to go green. This service not only helps you save paper but also gives you easy access to your financial records anytime. And while we currently don't support mobile payments or electronic signature authorization, our focus remains on providing a secure and user-friendly experience. Accessibility is key; that's why our online banking services are tailored for ease of use. You can log in any time of day or night to view transactions in real-time and stay updated on your account activity. With Bay Cities, managing your finances has never been simpler!

At Bay Cities, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We pride ourselves on our strong financial foundation, which allows us to serve you better every day. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. With a net worth of $8,094,452, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,058 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $1,521,619 in share certificates and $6,031,279 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $8,094,452 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to lending is evident; we have $656 in used auto loans and $29,161,440 in total loans and leases to support your financial goals across various sectors. Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 15 full-time employees and 3 part-time employees who are always ready to assist you with their knowledge and dedication. Net Shares available for lending and investments stand at $157,019, while our total share accounts reach 10,424, showcasing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Bay Cities is your trusted partner. Visit us at 22777 Main St Hayward Ca 94541 or call (510) 690-6100 to learn more about how we can help you achieve your financial goals.