Mortgage Rates
| Program | Rate | APR | Minimum % Down Payment | Monthly Payment | Amortization |
|---|
| 15 year Section 184 |
7.375% |
7.649% |
2.250% |
$1,379.88 |
15 years |
| 30 year Section 184 |
7.875% |
8.051% |
2.250% |
$1,087.60 |
30 years |
| 15 year fixed |
7.375% |
7.489% |
5.000% |
$1,379.88 |
15 years |
| 20 year fixed |
7.250% |
7.341% |
5.000% |
$1,185.56 |
20 years |
| 30 year fixed |
7.500% |
7.572% |
5.000% |
$1,048.82 |
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.
- Payment does not include amounts for property taxes, insurance premiums or homeowner 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
|
Product
|
Term
|
Rate
|
APR
|
Payment
|
|---|
|
New Auto 2024
Based on $35,000 loan amount
|
72 months
|
4.95%
|
5.028%
|
$564.13
|
|
|
60 months
|
4.55%
|
4.641%
|
$654.76
|
| |
48 months
|
4.25%
|
4.361%
|
$795.94
|
| |
36 months
|
3.95%
|
4.095%
|
$1,034.82
|
|
Used Auto 2023
Based on $35,000 loan amount
|
72 months
|
5.25%
|
5.328%
|
$569.02
|
|
|
60 months
|
4.95%
|
5.042%
|
$661.17
|
|
|
48 months
|
4.65%
|
4.762%
|
$802.25
|
| |
36 months
|
4.35%
|
4.496%
|
$1,041.08
|
|
Used Auto 2022
Based on $30,000 loan amount
|
72 months
|
5.55%
|
5.641%
|
$492.12
|
|
|
60 months
|
5.25%
|
5.357%
|
$571.06
|
|
|
48 months
|
4.95%
|
5.080%
|
$691.97
|
| |
36 months
|
4.65%
|
4.820%
|
$896.71
|
|
Used Auto 2021
Based on $25,000 loan amount
|
72 months
|
5.75%
|
5.859%
|
$412.66
|
|
|
60 months
|
5.55%
|
5.678%
|
$479.59
|
|
|
48 months
|
5.05%
|
5.206%
|
$578.07
|
|
|
36 months
|
4.85%
|
5.054%
|
$749.88
|
|
Used Auto 2020
Based on $25,000 loan amount
|
60 months
|
5.75%
|
5.879%
|
$481.91
|
|
|
48 months
|
5.45%
|
5.607%
|
$582.63
|
|
|
36 months
|
5.25%
|
5.455%
|
$754.39
|
|
Used Auto 2019 - 2014
Based on $20,000 loan amount
|
48 months
|
7.95%
|
8.150%
|
$489.67
|
|
|
36 months
|
7.45%
|
7.710%
|
$624.05
|
|
Used Auto 2013 & Older
Based on $10,000 loan amount
|
36 Months
|
9.95%
|
10.472% |
$324.90 |
|
New Personal Recreation
Based on $10,000 loan amount
|
60 months
|
7.95%
|
8.273%
|
$204.07
|
|
|
48 months
|
7.25%
|
7.642%
|
$242.45
|
|
|
36 months
|
6.95%
|
7.461%
|
$310.88
|
|
Used Personal Recreation
Based on $10,000 loan amount
|
48 months
|
7.95%
|
8.345%
|
$245.75
|
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 701 or above.
- APR is the Annual Percentage Rate.
|
