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BAY Credit Union

BAY Credit Union publishes a lender-hosted mortgage pricing page with the rate, term and qualification context used for this public listing.

Visit lender website Profile record checked Sep 1, 2026
Before you apply

Use the lender’s website to confirm current terms and whether you can apply directly or need a mortgage broker. Published products are not personal offers.

8 published rate options

Different qualification tiers may have different rates for the same product.

BAY Credit Union

1 Year Closed Mortgage

Fixed · 1-year term
First mortgage

Published rate5.69% 1-year closed

Checked Oct 26, 2026

Lender source
Conditions
Residential; lender qualification criteria apply
Fees and APR
APR and fees are not stated for this row on the public rate page; lender conditions apply.
BAY Credit Union

1 Year Open Mortgage

Fixed · 1-year term
First mortgage

Published rate8.25% 1-year open

Checked Oct 26, 2026

Lender source
Conditions
Residential; lender qualification criteria apply
Fees and APR
APR and fees are not stated for this row on the public rate page; lender conditions apply.
BAY Credit Union

2 Year Closed Mortgage

Fixed · 2-year term
First mortgage

Published rate5.39% 2-year closed

Checked Oct 26, 2026

Lender source
Conditions
Residential; lender qualification criteria apply
Fees and APR
APR and fees are not stated for this row on the public rate page; lender conditions apply.
BAY Credit Union

3 Year Closed Mortgage

Fixed · 3-year term
First mortgage

Published rate4.29% 3-year closed

Checked Oct 26, 2026

Lender source
Conditions
Residential; lender qualification criteria apply
Fees and APR
APR and fees are not stated for this row on the public rate page; lender conditions apply.
BAY Credit Union

3 Year Conventional Closed Special

Fixed · 3-year term
First mortgage

Published rate4.29% 3-year conventional closed special

Checked Oct 26, 2026

Lender source
Conditions
Residential; lender qualification criteria apply
Fees and APR
APR and fees are not stated for this row on the public rate page; lender conditions apply.
BAY Credit Union

3 Year Insured Closed Special

Fixed · 3-year term
First mortgage

Published rate3.99% 3-year insured closed special

Checked Oct 26, 2026

Lender source
Conditions
Owner-occupied residential; default-insured criteria apply
Fees and APR
APR and fees are not stated for this row on the public rate page; special is for new purchases or switches and conditions apply.
BAY Credit Union

4 Year Closed Mortgage

Fixed · 4-year term
First mortgage

Published rate4.99% 4-year closed

Checked Oct 26, 2026

Lender source
Conditions
Residential; lender qualification criteria apply
Fees and APR
APR and fees are not stated for this row on the public rate page; lender conditions apply.
BAY Credit Union

5 Year Closed Mortgage

Fixed · 5-year term
First mortgage

Published rate5.89% 5-year closed

Checked Oct 26, 2026

Lender source
Conditions
Residential; lender qualification criteria apply
Fees and APR
APR and fees are not stated for this row on the public rate page; lender conditions apply.