--- title: "Bay Cities Credit Union Rates - California" description: "Current mortgage, auto loan, and heloc rates from Bay Cities Credit Union in California. Updated daily with source verification. See who can join Bay Cities Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/bay-cities" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Bay Cities Credit Union Rates - California ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Fixed Equity Home Loan** other | — APR | 6.000% | — | Standard | Bay Cities Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **84-Month New Auto Loan** auto_new_84mo | — APR | 4.500% | 84 mo · new | Standard | | **Basic Transportation Car** auto_any_60mo | — APR | 4.500% | 60 mo | Standard | | **84-Month Used Auto Loan** auto_used_84mo | — APR | 4.500% | 84 mo · used | Standard | | **60-Month Used Auto Loan (2019 and Older)** auto_used_60mo | — APR | 7.000% | 60 mo · used | Standard | Bay Cities Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Prime Equity Line of Credit** heloc_variable | — APR | 6.750% | — | Standard | Bay Cities Credit Union heloc rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Loan Discounts** other | — % | 1.000% | — | Standard | Bay Cities Credit Union other rates as of November 12, 2026 Bay Cities Credit Union is a credit union in California. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/bay-cities) , verified from [Bay Cities Credit Union's official website](https://www.baycities.org/) Loading branch locator… ## 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**Provident** Branch Office · Hayward · CA · 94541-2710 Branch in the same ZIP](https://rateapi.dev/credit-unions/california/provident) [**1st United** Hayward Branch · Hayward · CA · 94544 About 1.1 miles away](https://rateapi.dev/credit-unions/california/1st-united) [**Patelco** HAYWARD · Hayward · CA · 94544-1832 About 1.4 miles away](https://rateapi.dev/credit-unions/california/patelco) [**Nuvision** Hayward · Hayward · CA · 94545-2142 About 1.9 miles away](https://rateapi.dev/credit-unions/california/nuvision) [**Sea West Coast Guard** Oakland Main Office · Oakland · CA · 94605-4500 About 7.2 miles away](https://rateapi.dev/credit-unions/california/sea-west-coast-guard) [**F3** Oakland Branch · OAKLAND · CA · 94621 About 7.8 miles away](https://rateapi.dev/credit-unions/california/f3) 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](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Bay Cities Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Cities of Hayward, Cities of San Leandro, Southern Alameda County School District - Association Teamster Union Locals under Joint Council 7 Verified from [Bay Cities Credit Union's membership page](https://www.baycities.org/about-us/membership/) . Final membership determination is always made by the credit union. ## Membership rules for Bay Cities Credit Union Employers 3 · Associations · Family 5 published paths to membership, last verified August 21, 2026, quoted from Bay Cities Credit Union’s own published criteria. ### Employers 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Cities of Hayward “Volunteers, employees, or retirees, of the Cities of Hayward or San Leandro.” > [source ↗](https://www.baycities.org/about-us/membership/) - Employee of Cities of Hayward - Employee of Cities of San Leandro “Volunteers, employees, or retirees, of the Cities of Hayward or San Leandro.” > [source ↗](https://www.baycities.org/about-us/membership/) - Employee of Cities of San Leandro - Employee of school “Classified employees or retirees of Southern Alameda County School District.” > [source ↗](https://www.baycities.org/about-us/membership/) - Employee of school ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Teamster Union Locals under Joint Council 7 “Employees, members, or retirees, of Teamster Union Locals under Joint Council 7.” > [source ↗](https://www.baycities.org/about-us/membership/) - Member of Teamster Union Locals under Joint Council 7 ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member “Family members .” > [source ↗](https://www.baycities.org/about-us/membership/) - Family member of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Bay Cities Credit Union? Yes No ## 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. - See which AI assistants fetched Bay Cities Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in California - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=bay-cities&state=california&code=CA&name=Bay%20Cities%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## 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 November 12, 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 November 12, 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. ### Who can join Bay Cities Credit Union? Bay Cities Credit Union publishes its membership criteria on its own website. RateAPI tracks 5 published membership paths covering 3 employers and 1 association for Bay Cities Credit Union, each quoted from Bay Cities Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Bay Cities Credit Union's rates against national credit-union benchmarks. [More California credit unions](https://rateapi.dev/credit-unions/california) [California mortgage rate leaders](https://rateapi.dev/mortgage-rates/california) [California auto loan rate leaders](https://rateapi.dev/auto-loan-rates/california) [California HELOC rate leaders](https://rateapi.dev/heloc-rates/california) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.baycities.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Bay Cities Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when California credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Bay Cities Credit Union curl "https://api.rateapi.dev/credit-unions/california /bay-cities " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Bay Cities Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/california/bay-cities Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp