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    Credit union mortgage rates
    Home state: Ohio

    BAY AREA mortgage rates

    BAY AREA's lowest publicly advertised 30-year fixed rate today is 6.25% — the national average is 6.88%. That's about $59,826 saved over the life of a $400,000, 30-year loan. We track BAY AREA daily and refresh rates every morning.

    Today's rates from BAY AREA

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.25%6.491%0Sep 11, 2026Visit
    15 Year Fixed5.875%6.269%0Sep 11, 2026Visit
    Visit BAY AREA's rates page

    Rate history

    Lowest daily rate BAY AREA advertised for each product, past 90 days.

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

    Who can join BAY AREA

    Membership at Bay Area Credit Union is available to anyone who lives, works, worships, or attends school in Lucas, Wood, Ottawa, or Sandusky County in Ohio. Family members of existing members are also eligible to join.

    County
    Lucas County, OH, Wood County, OH, Ottawa County, OH, Sandusky County, OH

    Where BAY AREA writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with BAY AREA.

    Ohio

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

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