Baylands

Headquarters

Po Box 392
West Point, VA 23181
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Baylands is an NCUA insured institution located in West Point, VA. It was founded in 1946 and has approximately $73.9 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 5267
Date Established 1946
Assets $73.90 million
Loans $50.45 million
Deposits $67.70 million
Capital $6.45 million
 

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Essex, Middlesex, Mathews, Gloucester, King & Queen, King William County, James City, or New Kent Counties.

Deposit Rates - September 24, 2021

Your Current Location: Connecticut, CT 06828

We do not yet have rates for Baylands

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Note to Baylands
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Advertiser Disclosure

Loan Rates - September 24, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for BAYLANDS

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Better.com
NMLS ID: 330511
2.943% 2.875% 0.88 $2,182 $1,038 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to BAYLANDS
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Branches

Below are Baylands branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Baylands Locations


Financial Details

Baylands Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Baylands. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Baylands U.S. Average
5.11% 4.38

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2021, Baylands had $220,919 in non-current loans and $121,740 in owned assets. To cover these potential losses it had $6,451,613 in net worth and $254,543 in loans loss reserves. That gives it a Texas Ratio of 5.11%.

Net Worth
Baylands U.S. Average
8.72% 12.20%

Baylands FCU has a net worth of 8.72% versus the BestCashCow average of 12.20. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Baylands

Branches and Savings

What is Baylands?

A federal credit union, registered with the NCUA under certificate #5267.
Learn more about credit unions here.

Is Baylands FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Baylands is insured by the NCUA.

Who can join Baylands?

Please see Field of Membership information above for information on who is eligible to join.

What are Baylands's share account and share certificate rates?

Baylands's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Baylands?

Baylands has total capital of $6.45 million. Full information on Baylands's financial position is located above.

Who owns Baylands?

Credit Unions are owned by their members.

Where are Baylands branches located?

See branch locations nearby.

Are Baylands ATMs Open 24/7?

Do Baylands ATMs accept cash deposits?

Can Baylands customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Baylands have a mobile app?

Does Baylands have mobile deposit?

Does Baylands have quick pay?

How can Baylands transfer money to other banks or credit unions?

Does Baylands report to credit bureaus?

Does Baylands use Chexsystems?

Does Baylands use Equifax?

What is Baylands's toll free phone number?

What is Baylands's ACH Routing Number?

What is Baylands's SWIFT code?

Where can I find Baylands's wire transfer form?

What is the Baylands address for deposits?

What Products Does Baylands Offer

Does Baylands offer mortgages?

Compare mortgage rates here.

Does Baylands offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Baylands offer auto and RV loans?

Compare auto loan rates here.

Does Baylands offer student loans or personal loans?

Compare personal loan rates here.

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