Mortgage Rates

Mortgage Rates
ProgramRateAPRMinimum % Down PaymentMonthly PaymentAmortization
15 year Section 184 3.250% 3.808% 2.250% $1,054.00 15 years
30 year Section 184 3.625% 3.990% 2.250% $684.08 30 years
15 year fixed 2.750% 2.835% 5.000% $1,017.93 15 years
20 year fixed 3.250% 3.316% 5.000% $850.79 20 years
30 year fixed 3.375% 3.422% 5.000% $663.14 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 2016 (Based on $25,000 loan amount)
TermRateAPRMonthly Payment
72 months 5.95% 6.061% $415.05
60 months 5.55% 5.680% $479.61
48 months 5.25% 5.409% $580.37
36 months 4.95% 5.156% $751.03
New Auto Loan 2015 (Based on $20,000 loan amount)
TermRateAPRMonthly Payment
60 months 5.95% 6.112% $387.70
48 months 5.65% 5.848% $468.30
36 months 5.35% 5.608% $604.89
Used Auto Loan 2014 (Based on $15,000 loan amount)
TermRateAPRMonthly Payment
60 months 6.25% 6.465% $293.25
48 months 5.95% 6.212% $353.74
36 months 5.65% 5.992% $456.27
Used Auto Loan 2013 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months 6.95% 7.272% $199.30
48 months 6.45% 6.842% $238.73
36 months 6.25% 6.761% $307.68
Used Auto Loan 2012 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months 7.75%  8.075%  $203.12 
48 months 7.45% 7.846% $243.41
36 months 7.25% 7.766% $312.28
Used Auto Loan 2011 or 2010 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
48 months 8.95% 9.353% $250.53
36 months 8.45% 8.971% $317.86
New Personal Recreation (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months  9.95%  10.284% $213.87
48 months  9.25% 9.654%  $251.97
36 months 8.95% 9.473% $320.20
Used Personal Recreation (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
36 months 9.95% 10.477% $324.92

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 601 or above.
  • APR is the Annual Percentage Rate.
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