Credit union
BAY Credit Union mortgage rate records
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
- Latest record
- July 28, 2026
Qualification and structure signals present in the public records
- Categories
- Fixed
- Positions
- First mortgage
- Term range
- 12–60 months
- 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
Public profile checked September 1, 2026
Fixed
3 Year Insured Closed Special
Smallest displayed row
3.99% 3-year insured closed special
- Term / position
- 36–36 months · First mortgage
- Rows / record date
- 1 row · July 28, 2026
Fixed
3 Year Conventional Closed Special
Smallest displayed row
4.29% 3-year conventional closed special
- Term / position
- 36–36 months · First mortgage
- Rows / record date
- 1 row · July 28, 2026
Fixed
3 Year Closed Mortgage
Smallest displayed row
4.29% 3-year closed
- Term / position
- 36–36 months · First mortgage
- Rows / record date
- 1 row · July 28, 2026
Fixed
4 Year Closed Mortgage
Smallest displayed row
4.99% 4-year closed
- Term / position
- 48–48 months · First mortgage
- Rows / record date
- 1 row · July 28, 2026
Fixed
2 Year Closed Mortgage
Smallest displayed row
5.39% 2-year closed
- Term / position
- 24–24 months · First mortgage
- Rows / record date
- 1 row · July 28, 2026
Fixed
1 Year Closed Mortgage
Smallest displayed row
5.69% 1-year closed
- Term / position
- 12–12 months · First mortgage
- Rows / record date
- 1 row · July 28, 2026
Fixed
5 Year Closed Mortgage
Smallest displayed row
5.89% 5-year closed
- Term / position
- 60–60 months · First mortgage
- Rows / record date
- 1 row · July 28, 2026
Fixed
1 Year Open Mortgage
Smallest displayed row
8.25% 1-year open
- Term / position
- 12–12 months · First mortgage
- Rows / record date
- 1 row · July 28, 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.