BayCoast Bank
Personal Banking
Personal Banking Personal Banking

Today's Rates

30 Year Fixed Rate
 Rate  APR  Points
 4.875%  4.934%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 4.625%  4.726%  0.000%
Jumbo 30 Year Fixed Rate
 Rate  APR  Points
 5.375%  5.399%  0.000%
Jumbo 5 Year Adjustable Rate
 Rate  APR  Points
 4.250%  5.052%  0.000%

Personalized Quote

Interest rates, Annual Percentage Rates (APRs), and discount points shown are subject to change without notice.

Rate Watch

Keep an eye on rates via email. Sign up for Rate Watch.

Apply Now

Richard Jalbert
AVP Mortgage Loan Officer

NMLS Registry Number: 441453

23 Elm Street
New Bedford, MA 02740

Cell Phone 508-878-4464
Office 508-742-4710


Apply Now

Prior to joining BayCoast Bank, formerly Citizens~Union Savings Bank, in 2007, Rick served in the Mortgage Lending Departments at Viking Mortgage and St. Anne’s Credit Union. As a Mortgage Loan Officer, he is responsible for originating mortgages and equity loans, promoting the Bank’s products and services, and networking for the Bank at various business development functions.

Read more about Rick J.

Still want to have personal assistance?

You can call or email me to answer any of your questions or to ask for advice.

Close on your mortgage quickly.

We can get your mortgage approved in minutes, rather than days or weeks!

Free pre-qualifications!

We offer pre-qualifications, so you can shop for your home knowing that you can afford the mortgage.

Confused about which program to choose?

We offer a variety of loan options to choose from including fixed rate mortgages and adjustable rate mortgages. We offer easy-to-understand explanations of each program on the site and I am always just a call or email away!


How much would my monthly payment be?

Can I save money by refinancing now?

Should I buy a home or continue to rent?


Contact Info | Site Security | Terms of Use | What to Expect

NMLS Registry Number: 441453


Facebook LinkedIn YouTube Join our Email List Active Checking Calendar Follow us on Twitter

Routing Number - 211372239     Telephone 508-678-7641

All information on this website is copyright of BayCoast Bank...reproduction of any information disclosed on this site is strictly prohibited. Any evidence of criminal activity will be provided to law enforcement officials.

FDIC Equal Housing Lender DIF