Bay Cities Credit Union
Verified rate book
Current Bay Cities Credit Union rates
7 published offers verified as of August 4, 2026.
Mortgage rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Fixed Equity Home Loanother | 6.000% APR | 6.000% | — | Standard |
Auto & vehicle rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 84-Month New Auto Loanauto_new_84mo | 4.500% APR | 4.500% | 84 mo · new | Standard |
| Basic Transportation Carauto_any_60mo | 4.500% APR | 4.500% | 60 mo | Standard |
| 84-Month Used Auto Loanauto_used_84mo | 4.500% APR | 4.500% | 84 mo · used | Standard |
| 60-Month Used Auto Loan (2019 and Older)auto_used_60mo | 7.000% APR | 7.000% | 60 mo · used | Standard |
HELOC rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Prime Equity Line of Creditheloc_variable | 6.500% APR | 6.500% | — | Standard |
Other rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Loan Discountsother | 1.000% % | 1.000% | — | Standard |
As of August 4, 2026, Bay Cities Credit Union offers mortgage rates from 6% APR. Auto loans available from 4.5% APR for 84 months. HELOC rates from 6.5% APR.
Source: RateAPI.dev, verified from Bay Cities Credit Union's official website
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About Bay Cities Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 6.7K
- Assets
- $78.8M
- Founded
- 1953
- Locations reported
- 1
- NCUA charter
- 68316
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Financial counseling
- Financial education
- Credit-builder products
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Bay Cities Credit Union
Membership eligibility from Bay Cities Credit Union's own published criteria. How we verify this.
Membership via the Southern Alameda County School District +1 more
- AssociationSouthern Alameda County School District, Teamster Union Locals under Joint Council 7
Verified from Bay Cities Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Bay Cities Credit Union?
This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Bay Cities Credit Union ranks against California peers.
Frequently Asked Questions
What rates does Bay Cities Credit Union offer?
Bay Cities Credit Union currently offers mortgage, Auto loan, and HELOC rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Bay Cities Credit Union rates updated?
RateAPI verifies Bay Cities Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Bay Cities Credit Union's rate data?
Rate data is collected directly from Bay Cities Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Bay Cities Credit Union's mortgage rate?
As of August 4, 2026, Bay Cities Credit Union offers mortgage rates from 6% APR.
What are Bay Cities Credit Union's auto loan rates?
As of August 4, 2026, Bay Cities Credit Union offers auto loans from 4.5% APR.
What is Bay Cities Credit Union's HELOC rate?
As of August 4, 2026, Bay Cities Credit Union offers home equity lines of credit from 6.5% APR.
Related Rate Data
Compare Bay Cities Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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View MethodologyTrack Bay Cities Credit Union rates
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# Get rates for Bay Cities Credit Union
curl "https://api.rateapi.dev/credit-unions/california/bay-cities" \
-H "Authorization: Bearer YOUR_API_KEY"