Mortgage Rates

Mortgage Rates
ProgramRateAPRMinimum % Down PaymentMonthly PaymentAmortization
15 year Section 184 4.250% 4.550% 2.250% $1,128.42 15 years
30 year Section 184 4.500% 4.672% 2.250% $760.03 30 years
15 year fixed 3.500% 3.582% 5.000% $1,072.32 15 years
20 year fixed 4.125% 4.190% 5.000% $918.88 20 years
30 year fixed 4.500% 4.548% 5.000% $760.03 30 years

Disclosures:

  • The above figures are based on a $150,000 loan with 2.25% or 5.00% down respectively at the stated terms.
  • Actual rate may vary based on loan to value, credit score and payment history for 15, 20, and 30 year fixed loans
  • Rates are subject to change in response to current market conditions.
  • Private Mortgage Insurance is required for 15, 20, and 30 year fixed loans with less than 20% down payment.
  • The above examples for 15, 20, and 30 year fixed loans assume a credit score of 740 or above.
  • Payments do not include amounts for property taxes, insurance premiums, or home owner association dues.
  • Actual payment obligation may be greater.
  • APR is the Annual Percentage Rate.
  • Bay Bank and/or its employees are not responsible for errors, omissions, or interim revisions.

Personal Loan Rates

New Auto Loan 2013 (Based on $25,000 loan amount)
TermRateAPRMonthly Payment
72 months 5.95% 6.062% $415.05
60 months 5.55% 5.681% $479.62
48 months 5.25% 5.410% $580.39
36 months 4.95% 5.157% $751.05
New Auto Loan 2012 (Based on $20,000 loan amount)
TermRateAPRMonthly Payment
60 months 5.95% 6.113% $387.71
48 months 5.65% 5.849% $468.32
36 months 5.35% 5.609% $604.90
Used Auto Loan 2011 (Based on $15,000 loan amount)
TermRateAPRMonthly Payment
60 months 6.25% 6.466% $293.25
48 months 5.95% 6.214% $353.75
36 months 5.65% 5.993% $456.29
Used Auto Loan 2010 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months 6.95% 7.272% $199.30
48 months 6.45% 6.843% $238.74
36 months 6.25% 6.763% $307.69
Used Auto Loan 2009 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
48 months 7.45% 7.848% $243.42
36 months 7.25% 7.767% $312.29
Used Auto Loan 2008 or 2007 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
48 months 8.95% 9.354% $250.54
36 months 8.45% 8.972% $317.87
New Personal Recreation (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months  9.95%  10.285% $213.88
48 months  9.25% 9.656%  $251.98
36 months 8.95% 9.475% $320.22
Used Personal Recreation (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
36 months 9.95% 10.479% $324.93

Bay Bank offers CD Loans and Signature Loans, contact a personal banker today for rates and terms.

Disclosures:

  • Rates and terms are subject to change based on approved credit.
  • Rates are subject to change without notice.
  • Above examples are based on a credit score of 626 or above.
  • APR is the Annual Percentage Rate.
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