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 4.000% 4.167% 2.250% $716.12 30 years
15 year fixed 3.125% 3.206% 5.000% $1,044.91 15 years
20 year fixed 3.875% 3.939% 5.000% $899.12 20 years
30 year fixed 4.000% 4.046% 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 2014 and 2015 (Based on $25,000 loan amount)
TermRateAPRMonthly Payment
72 months 5.95% 6.060% $415.03
60 months 5.55% 5.678% $479.59
48 months 5.25% 5.407% $580.36
36 months 4.95% 5.155% $751.01
New Auto Loan 2013 (Based on $20,000 loan amount)
TermRateAPRMonthly Payment
60 months 5.95% 6.110% $387.69
48 months 5.65% 5.846% $468.30
36 months 5.35% 5.605% $604.87
Used Auto Loan 2012 (Based on $15,000 loan amount)
TermRateAPRMonthly Payment
60 months 6.25% 6.463% $293.24
48 months 5.95% 6.211% $353.73
36 months 5.65% 5.990% $456.26
Used Auto Loan 2011 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months 6.95% 7.269% $199.29
48 months 6.45% 6.840% $238.73
36 months 6.25% 6.759% $307.67
Used Auto Loan 2010 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
48 months 7.45% 7.844% $243.40
36 months 7.25% 7.763% $312.27
Used Auto Loan 2009 or 2008 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
48 months 8.95% 9.349% $250.52
36 months 8.45% 8.967% $317.85
New Personal Recreation (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months  9.95%  10.281% $213.86
48 months  9.25% 9.651%  $251.96
36 months 8.95% 9.469% $320.19
Used Personal Recreation (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
36 months 9.95% 10.473% $324.90

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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