Loan Rates

 

Mortgage Rates

ProgramRateAPRMinimum % Down PaymentMonthly PaymentAmortization
15 year Section 184 5.875% 6.195% 2.250% $1,255.68 15 years
30 year Section 184 5.625% 5.813% 2.250% $863.48 30 years
15 year fixed 5.375% 5.463% 5.000% $1,215.70 15 years
20 year fixed 5.500% 5.570% 5.000% $1,031.83 20 years
30 year fixed 6.000% 6.054% 5.000% $899.33 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.
  • HUD Annual Insurance Premium is required on HUD Section 184 loans with less than 22% down payment or equity.
  • The above examples for 15, 20 and 30-year fixed loans assume a credit score of 740 or above.
  • Payment does not include amounts for property taxes, insurance premiums or homeowner 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

Product

Term

Rate

APR

Payment

New Auto 2022
Based on $35,000 loan amount

72 months

3.95%

4.027%

$548.01

 

60 months

3.55%

3.640%

$638.91

 

48 months

3.25%

3.361%

$780.29

 

36 months

2.95%

3.095%

$1,019.30

Used Auto 2021
Based on $35,000 loan amount

72 months

4.25%

4.327%

$552.82

 

 60 months

3.95% 

 4.041%

$645.22 

 

48 months

3.65%

3.761%

$786.54

 

36 months

3.35%

3.495%

$1,025.50

Used Auto 2020
Based on $30,000 loan amount

72 months

4.55%

4.640%

$478.16

 

60 months

 4.25%

 4.356%

$557.33

 

48 months

3.95%

4.080%

$678.45

 

36 months

3.65%

3.820%

$883.31

Used Auto 2019
Based on $25,000 loan amount

72 months

4.75%

4.858%

$400.98

 

60 months

 4.55%

4.677% 

$468.09

 

48 months

4.05%

4.205%

$566.78

 

36 months

3.85%

4.053%

$738.69

Used Auto 2018
Based on $25,000 loan amount

60 months

4.75%

4.877%

$470.38

 

48 months

4.45%

4.606%

$571.28

 

36 months

4.25%

4.454%

$743.16

Used Auto 2017 - 2012
Based on $20,000 loan amount

48 months

5.95%

6.148%

$471.06

 

36 months

5.45%

5.707%

$605.78

Used Auto 2011 & Older
Based on $10,000 loan amount

36 Months

9.95%

 10.475% $324.91 

New Personal Recreation
Based on $10,000 loan amount

60 months

6.95%

7.270%

$199.29

 

48 months

6.25%

6.640%

$237.80

 

36 months

5.95%

6.459%

$306.30

Used Personal Recreation
Based on $10,000 loan amount

48 months

7.95%

8.347%

$245.76

 

36 months

6.95%

7.463%  $310.89 

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

More Personal Loans

Bay Bank offers CD Loans and Signature Loans, contact a consumer lender today for rates and terms.

 

 

Find UsLocation & Hours Call Usat our 3 locations Email Uswith secure messages Friend Uson Facebook

Next Section

Back to Top