Mortgage Rates

Mortgage Rates
ProgramRateAPRMinimum % Down PaymentMonthly PaymentAmortization
15 year Section 184 3.375% 3.935% 2.250% $1,063.14 15 years
30 year Section 184 4.000% 4.372% 2.250% $716.12 30 years
15 year fixed 3.000% 3.085% 5.000% $1,035.87 15 years
20 year fixed 3.625% 3.692% 5.000% $879.61 20 years
30 year fixed 3.750% 3.798% 5.000% $694.67 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 2015 (Based on $25,000 loan amount)
TermRateAPRMonthly Payment
72 months 5.95% 6.053% $414.94
60 months 5.55% 5.670% $479.50
48 months 5.25% 5.398% $580.25
36 months 4.95% 5.143% $750.88
New Auto Loan 2014 (Based on $20,000 loan amount)
TermRateAPRMonthly Payment
60 months 5.95% 6.102% $387.60
48 months 5.65% 5.836% $468.20
36 months 5.35% 5.593% $604.76
Used Auto Loan 2013 (Based on $15,000 loan amount)
TermRateAPRMonthly Payment
60 months 6.25% 6.454% $293.17
48 months 5.95% 6.200% $353.65
36 months 5.65% 5.977% $456.17
Used Auto Loan 2012 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months 6.95% 7.259% $199.24
48 months 6.45% 6.828% $238.67
36 months 6.25% 6.745% $307.60
Used Auto Loan 2011 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
48 months 7.45% 7.830% $243.33
36 months 7.25% 7.746% $312.19
Used Auto Loan 2010 or 2009 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
48 months 8.95% 9.334% $250.44
36 months 8.45% 8.948% $317.75
New Personal Recreation (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months  9.95%  10.266% $213.78
48 months  9.25% 9.634%  $251.87
36 months 8.95% 9.448% $320.09
Used Personal Recreation (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
36 months 9.95% 10.450% $324.79

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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