The BayPort Credit Union is a mortgage from BayPort Credit Union. The ongoing APR is 10 years (3-year ARM) 9.375% / 9.7711% APR; 10 years (Fixed) 9.625% / 10.0281%; 15 years (2-, 3-, 5-, 10-year Balloon) 8.125% / 8.3861% to 9.875% / 10.1768%; 20 years (5-year Balloon) 8.875% / 9.1030%; 30 years (5-year Balloon) 9.125% / 9.3122% ($995 origination fee) (updated October 5, 2026). Loan terms: 10, 15, 20 or 30 years (fixed, ARM or balloon).