Credit union
BAY Credit Union mortgage rates
Checked against BAY Credit Union's own rate page on October 19, 2026: 8 products, lowest fixed offer 3.99% (3 Year Insured Closed Special).
BAY Credit Union publishes a lender-hosted mortgage pricing page with the rate, term and qualification context used for this public listing.
Visit the official lender website opens in a new tab- Distinct products
- 8
- Published pricing rows
- 8
- Published regions
- Ontario
- Last checked
- October 19, 2026
Qualification and structure signals present in the public records
- Categories
- Fixed
- Positions
- First mortgage
- Term range
- 1–5 years
- LTV and fee coverage
- Up to 80% LTV · fees shown on 8 of 8 rows
These are published fields, not an underwriting model. Credit, income, property, location and transaction details can still change eligibility or pricing.
Published pricing
Mortgage products from BAY Credit Union
Lender profile reviewed September 1, 2026
Fixed
3 Year Insured Closed Special
Published rate
3.99% 3-year insured closed special
- Term / position
- 3 years · First mortgage
- Checked
- October 19, 2026
Fixed
3 Year Closed Mortgage
Published rate
4.29% 3-year closed
- Term / position
- 3 years · First mortgage
- Checked
- October 19, 2026
Fixed
3 Year Conventional Closed Special
Published rate
4.29% 3-year conventional closed special
- Term / position
- 3 years · First mortgage
- Checked
- October 19, 2026
Fixed
4 Year Closed Mortgage
Published rate
4.99% 4-year closed
- Term / position
- 4 years · First mortgage
- Checked
- October 19, 2026
Fixed
2 Year Closed Mortgage
Published rate
5.39% 2-year closed
- Term / position
- 2 years · First mortgage
- Checked
- October 19, 2026
Fixed
1 Year Closed Mortgage
Published rate
5.69% 1-year closed
- Term / position
- 1 year · First mortgage
- Checked
- October 19, 2026
Fixed
5 Year Closed Mortgage
Published rate
5.89% 5-year closed
- Term / position
- 5 years · First mortgage
- Checked
- October 19, 2026
Fixed
1 Year Open Mortgage
Published rate
8.25% 1-year open
- Term / position
- 1 year · First mortgage
- Checked
- October 19, 2026
Record history
No figure in BAY Credit Union's records has changed since the first full source check on September 29, 2026.
Source and methodology
Official lender-hosted public mortgage pricing page. Product cards group public rows by lender and product name. The smallest displayed rate is a navigation label only; open the product record to match the relevant credit, property, LTV, term and fee row.