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Baylands Family

PO BOX 392, West Point, VA 23181
NCUA Insured4.3 (44 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1946

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO BOX 392

West Point, VA 23181

Service Area

This credit union is located in West Point and serves members in the VA area. Currently serving 5,616 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.05%

Used Auto Loan

6.59%

Personal Loan

8.40%

Credit Card APR

8.70%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in VA

Lowest rates currently reported by credit unions in VA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(3 total)

Member Reviews

4.3

44 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Natasha Christian

Natasha Christian

8 months ago

This has been one of my banks for about 20 years, but I no longer live in the area. I recently stopped by while in town after being stuck in traffic due to an accident and simply asked to use the restroom. The teller, with an attitude, said, “No, I would have to escort you to the bathroom and we have no one to do that.” Meanwhile, there were three employees standing together, no customers at the outside window and only one customer leaving the desk. I was the only one remaining. Everyone just stared at me. The lack of courtesy and basic customer service was disappointing and completely unnecessary. After two decades of being a customer, I expected better or maybe I didn’t considering the track record of this type of behavior there.

Stacey Lee

Stacey Lee

5 months ago

Hi. Me and my husband would like to thank Mrs. Cindy Creech at the West Point branch for all her help that she has given to us. She is a Financial Services Specialist that Bayland should keep because she knows her job very well. We want to give a very special thank you to Mrs. Cindy. Continue to be that special person to the community. THANK YOU THANK YOU THANK YOU!!

Micah Randall

Micah Randall

10 months ago

The lady who helped me set up my Bay lands account was so helpful explaining everything to me. My sister had an account with another bank and it so much more restricted. They’re always quick and happy to help. So glad to banked with them!

Lisa Goodall

Lisa Goodall

10 months ago

I recently had an exceptional experience that I feel compelled to share. Faced with a tight closing window, I was initially anxious as to whether it would be possible to close on time, however the entire team went above and beyond to ensure my transaction was handled quickly and smoothly. From the beginning, Melissa demonstrated a level of commitment that truly impressed me. She was responsive and ready to tackle any issue that arose. She guided me through every step, providing clear explanations and keeping me updated on the progress. What stood out most was their ability to expedite the necessary paperwork and approvals. They coordinated seamlessly with other parties involved, making what could have been a stressful situation remarkably straightforward. Their dedication to customer service was made evident, and it made all the difference. Thank to their hard work and determination, I was able to reach the closing table on time. I highly recommend Baylands FCU to anyone looking for a reliable partner in their financial journey. Their exceptional service and commitment to their clients truly set them apart!

Lauren Rowlett

Lauren Rowlett

11 months ago

West Point Baylands FCU Branch is amazing! They always go above and beyond and an extra shout out to Melissa Ayers for her incredible assistance and patience with me!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).