Mortgage Rates

Mortgage Rates
ProgramRateAPRMinimum % Down PaymentMonthly PaymentAmortization
15 year Section 184 4.000% 4.220% 2.250% $1,109.53 15 years
30 year Section 184 3.625% 3.746% 2.250% $684.08 30 years
15 year fixed 2.875% 2.973% 5.000% $1,026.88 15 years
20 year fixed 3.375% 3.452% 5.000% $860.34 20 years
30 year fixed 3.625% 3.680% 5.000% $684.08 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% 6.063% $415.07
60 months 5.55% 5.682% $479.64
48 months 5.25% 5.411% $580.41
36 months 4.95% 5.159% $751.06
New Auto Loan 2012 (Based on $20,000 loan amount)
TermRateAPRMonthly Payment
60 months 5.95% 6.114% $387.73
48 months 5.65% 5.851% $468.34
36 months 5.35% 5.610% $604.91
Used Auto Loan 2011 (Based on $15,000 loan amount)
TermRateAPRMonthly Payment
60 months 6.25% 6.467% $293.27
48 months 5.95% 6.215% $353.76
36 months 5.65% 5.994% $456.30
Used Auto Loan 2010 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months 6.95% 7.274% $199.31
48 months 6.45% 6.845% $238.75
36 months 6.25% 6.764% $307.70
Used Auto Loan 2009 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
48 months 7.45% 7.850% $243.43
36 months 7.25% 7.769% $312.30
Used Auto Loan 2008 or 2007 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
48 months 8.95% 9.357% $250.55
36 months 8.45% 8.975% $317.88
New Personal Recreation (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months  9.95%  10.288% $213.89 
48 months  9.25% 9.658%   $251.99
36 months 8.95% 9.477% $320.23
Used Personal Recreation (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
36 months 9.95% 10.482% $324.94

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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