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    Credit union mortgage rates
    Home state: California
    Lends in 1 state

    BAY mortgage rates

    BAY's lowest publicly advertised 30-year fixed rate today is 7.471% APR — the national average is 7.147%. We read BAY's rates every weekday, starting around 11 a.m. Central.

    We last read BAY's rates page on Nov 2, 2026.

    Today's rates from BAY

    ProductRateAPRPointsWe readSource
    30 Year Fixed7.375%7.471%0Nov 2, 2026Visit
    20 Year Fixed7.125%7.248%0Nov 2, 2026Visit
    15 Year Fixed7%7.152%0Nov 2, 2026Visit
    10 Year Fixed7%7.213%0Nov 2, 2026Visit
    5 Year ARM6.375%6.465%0Nov 2, 2026Visit
    7 Year ARM6.5%6.531%0Nov 2, 2026Visit
    10 Year ARM6.625%6.633%0Nov 2, 2026Visit
    30 Year Fixed Jumbo7%7.037%0Nov 2, 2026Visit
    15 Year Fixed Jumbo6.5%6.56%0Nov 2, 2026Visit
    5 Year ARM Jumbo6.25%6.361%0Nov 2, 2026Visit
    7 Year ARM Jumbo6.375%6.411%0Nov 2, 2026Visit
    10 Year ARM Jumbo6.5%6.494%0Nov 2, 2026Visit
    Visit BAY's rates page

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join BAY

    Membership in Bay Federal Credit Union is open to individuals who live, work, worship, or attend school in Santa Cruz, San Benito, or Monterey counties. Immediate family members of current Bay Federal account holders are also eligible. Businesses, including sole proprietorships, partnerships, corporations, clubs, and non-profits, are eligible if physically located or headquartered in Santa Cruz, San Benito, or Monterey counties.

    County
    Santa Cruz County, CA, San Benito County, CA, Monterey County, CA

    Where BAY writes mortgages

    BAY publishes mortgage lending in 1 state.

    California

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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