Baycel Federal Credit Union

Today's Rates

Conventional
30 Year Fixed Rate
 Rate  APR  Points
 5.125%  5.305%  0.125%
 5.250%  5.420%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 4.500%  4.822%  0.250%
 4.625%  4.910%  0.000%
5/1 Adjustable Rate
 Rate  APR  Points
 4.250%  5.139%  0.250%
 4.375%  5.163%  0.000%
30 Year Fixed Rate 97%
 Rate  APR  Points
 5.375%  5.569%  0.250%
 5.500%  5.672%  0.000%
15 Year Fixed Rate 97%
 Rate  APR  Points
 4.750%  5.113%  0.500%
FHA
FHA 30 Year Fixed Rate
 Rate  APR  Points
 5.125%  6.344%  0.375%
 5.250%  6.434%  0.000%
VA
VA 30 Year Fixed
 Rate  APR  Points
 5.250%  5.675%  0.250%
 5.375%  5.779%  0.000%

Personalized Quote

Rates Listed Above are Subject
to a 1% Origination Fee.

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Welcome Home

Welcome to Baycel Federal Credit Union mortgage loan center for easy pre-qualification, custom rates, and expert advice to guide you through the home loan process.

Choosing your credit union is the first step toward an affordable home loan. Whether you are purchasing a home or refinancing your current loan, applying online is as easy as 1-2-3.

  1. Apply Now and complete the application.
  2. When you have completed the application, click submit and your information will be reviewed for instant pre-qualification.
  3. A Loan Officer will follow up with you and answer all your questions.

Our goal is to provide the highest level of service at competitive rates. Our Loan Officers are only a phone call away if you need help. Contact us at 800-607-3474, option 3.

Celebrating USDA loans for Rural America!

We're taking 100% financing to your small town. Ask us about USDA financing.Click here for more information about the program.

Calculators &
Frequently Asked Questions

Check out our helpful calculators to review your financial situation and learn more about home loans using the frequently asked questions.

Real Estate Benefits Programs

Buying a new home? Check out our rebate program.

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Baycel Federal Credit Union (NMLS#776874) provides mortgage loans by partnership with CU Members Mortgage, a division of Colonial Savings, F.A. NMLS#401285.