Today's rates from BAY
| Product | Rate | APR | Points | As of | Source | |
|---|---|---|---|---|---|---|
| 30 Year Fixed | 7.125% | 7.22% | 0 | Sep 11, 2026 | Visit | |
| 20 Year Fixed | 7.125% | 7.248% | 0 | Sep 11, 2026 | Visit | |
| 15 Year Fixed | 6.875% | 7.027% | 0 | Sep 11, 2026 | Visit | |
| 10 Year Fixed | 6.875% | 7.088% | 0 | Sep 11, 2026 | Visit | |
| 5 Year ARM | 6.375% | 6.314% | 0 | Sep 11, 2026 | Visit | |
| 7 Year ARM | 6.5% | 6.409% | 0 | Sep 11, 2026 | Visit | |
| 10 Year ARM | 6.625% | 6.549% | 0 | Sep 11, 2026 | Visit | |
| 30 Year Fixed Jumbo | 6.75% | 6.787% | 0 | Sep 11, 2026 | Visit | |
| 15 Year Fixed Jumbo | 6.375% | 6.435% | 0 | Sep 11, 2026 | Visit | |
| 5 Year ARM Jumbo | 6.25% | 6.21% | 0 | Sep 11, 2026 | Visit | |
| 7 Year ARM Jumbo | 6.375% | 6.289% | 0 | Sep 11, 2026 | Visit | |
| 10 Year ARM Jumbo | 6.5% | 6.41% | 0 | Sep 11, 2026 | Visit |
Rate history
Lowest daily rate BAY advertised for each product, past 90 days.
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.
Where BAY writes mortgages
Lending states not published; shown as serving its chartered area. Confirm directly with BAY.
Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.
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