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 4.250% 4.420% 2.250% $737.91 30 years
15 year fixed 3.375% 3.456% 5.000% $1,063.14 15 years
20 year fixed 3.875% 3.939% 5.000% $899.12 20 years
30 year fixed 4.125% 4.172% 5.000% $726.97 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% 6.057% $415.00
60 months 5.55% 5.676% $479.56
48 months 5.25% 5.404% $580.32
36 months 4.95% 5.150% $750.97
New Auto Loan 2012 (Based on $20,000 loan amount)
TermRateAPRMonthly Payment
60 months 5.95% 6.107% $387.66
48 months 5.65% 5.843% $468.26
36 months 5.35% 5.601% $604.83
Used Auto Loan 2011 (Based on $15,000 loan amount)
TermRateAPRMonthly Payment
60 months 6.25% 6.460% $293.21
48 months 5.95% 6.207% $353.71
36 months 5.65% 5.985% $456.23
Used Auto Loan 2010 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months 6.95% 7.266% $199.27
48 months 6.45% 6.836% $238.71
36 months 6.25% 6.754% $307.65
Used Auto Loan 2009 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
48 months 7.45% 7.839% $243.38
36 months 7.25% 7.757% $312.25
Used Auto Loan 2008 or 2007 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
48 months 8.95% 9.344% $250.49
36 months 8.45% 8.960% $317.82
New Personal Recreation (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months  9.95%  10.275% $213.83
48 months  9.25% 9.645%  $251.93
36 months 8.95% 9.462% $320.16
Used Personal Recreation (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
36 months 9.95% 10.465% $324.86

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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