Personal Banking - Certificate of Deposit and Money Market Account

Certificates of Deposit (CD)*        

BayCoast Bank offers a variety of terms with competitive interest rates to meet all your financial goals.

Statement Certificate of Deposit (CD)*        

 Enjoy the convenience of traditional CDs without the passbook. 

  • Fixed rate, 6 to 60 months terms available. Early withdrawal penalty may be imposed.
  • Annual statement

24 Month Bump Up Statement CD*      

With this account, you have the option to increase -- or "bump up" -- the interest rate and annual percentage yield one time at any point during the original account term. In order to "bump up" your rate, just let us know when you're ready to make the change by contacing your nearest branch, or by calling our friendly deposit operations team at 508-675-4331. This way if rates go up, you don't have to miss out on that extra interest!

  • One-time option to "bump up" your rate
  • Annual statement

*Minimum opening deposit: $500.00 for fixed rate, Choice-Is-Yours and Bump Up. $100.00 for variable rate. Interest compounded and paid monthly.Minimum balance to obtain interest: $10.00. Early withdrawal penalty may be imposed.


Consumer Money Market Account

  • A tiered, interest-bearing account
  • Minimum opening deposit: $1000.00
  • Interest compounded and paid monthly
  • Minimum balance to obtain interest: $1000.00
  • Up to six transactions per statement cycle
  • The monthly maintenance service charge of $5.00 will be waived if an average daily balance of $1,000.00 is maintained