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

    BAY AREA mortgage rates

    BAY AREA's lowest publicly advertised 30-year fixed rate today is 6.491% APR — the national average is 7.147%. That's about $62,968 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read BAY AREA's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from BAY AREA

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.25%6.491%0Nov 2, 2026Visit
    15 Year Fixed5.875%6.269%0Nov 2, 2026Visit
    Visit BAY AREA'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 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

    BAY AREA publishes mortgage lending in 1 state.

    Ohio

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

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