Mortgage Rates

Mortgage Rates
ProgramRateAPRMinimum % Down PaymentMonthly PaymentAmortization
15 year Section 184 3.375% 3.935% 2.250% $1,063.14 15 years
30 year Section 184 4.000% 4.372% 2.250% $716.12 30 years
15 year fixed 3.125% 3.211% 5.000% $1,044.91 15 years
20 year fixed 3.750% 3.818% 5.000% $889.33 20 years
30 year fixed 4.000% 4.049% 5.000% $716.12 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 2015 (Based on $25,000 loan amount)
TermRateAPRMonthly Payment
72 months 5.95% 6.066% $415.10
60 months 5.55% 5.685% $479.67
48 months 5.25% 5.415% $580.44
36 months 4.95% 5.165% $751.12
New Auto Loan 2014 (Based on $20,000 loan amount)
TermRateAPRMonthly Payment
60 months 5.95% 6.118% $387.75
48 months 5.65% 5.855% $468.37
36 months 5.35% 5.616% $604.97
Used Auto Loan 2013 (Based on $15,000 loan amount)
TermRateAPRMonthly Payment
60 months 6.25% 6.471% $293.29
48 months 5.95% 6.220% $353.79
36 months 5.65% 6.001% $456.34
Used Auto Loan 2012 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months 6.95% 7.278% $199.33
48 months 6.45% 6.850% $238.77
36 months 6.25% 6.772% $307.73
Used Auto Loan 2011 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
48 months 7.45% 7.855% $243.45
36 months 7.25% 7.777% $312.34
Used Auto Loan 2010 or 2009 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
48 months 8.95% 9.363% $250.58
36 months 8.45% 8.985% $317.93
New Personal Recreation (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months  9.95%  10.293% $213.92
48 months  9.25% 9.665%  $252.02
36 months 8.95% 9.488% $320.27
Used Personal Recreation (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
36 months 9.95% 10.494% $324.99

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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