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 3.500% 3.548% 5.000% $673.57 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% 6.055% $414.97
60 months 5.55% 5.673% $479.53
48 months 5.25% 5.400% $580.28
36 months 4.95% 5.146% $750.91
New Auto Loan 2015 (Based on $20,000 loan amount)
TermRateAPRMonthly Payment
60 months 5.95% 6.104% $387.63
48 months 5.65% 5.839% $468.22
36 months 5.35% 5.596% $604.79
Used Auto Loan 2014 (Based on $15,000 loan amount)
TermRateAPRMonthly Payment
60 months 6.25% 6.457% $293.19
48 months 5.95% 6.203% $353.67
36 months 5.65% 5.980% $456.19
Used Auto Loan 2013 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months 6.95% 7.263% $199.25
48 months 6.45% 6.832% $238.68
36 months 6.25% 6.748% $307.62
Used Auto Loan 2012 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months 7.75%  8.065%  $203.07 
48 months 7.45% 7.834% $243.35
36 months 7.25% 7.750% $312.21
Used Auto Loan 2011 or 2010 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
48 months 8.95% 9.338% $250.46
36 months 8.45% 8.952% $317.78
New Personal Recreation (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months  9.95%  10.271% $213.81
48 months  9.25% 9.639%  $251.89
36 months 8.95% 9.453% $320.11
Used Personal Recreation (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
36 months 9.95% 10.456% $324.82

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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