Mortgage Rates
| Program | Rate | APR | Minimum % Down Payment | Monthly Payment | Amortization |
|---|
| 15 year Section 184 |
2.875% |
3.169% |
2.250% |
$1,026.88 |
15 years |
| 30 year Section 184 |
3.000% |
3.161% |
2.250% |
$632.41 |
30 years |
| 15 year fixed |
2.625% |
2.707% |
5.000% |
$1,009.03 |
15 years |
| 20 year fixed |
2.875% |
2.938% |
5.000% |
$822.54 |
20 years |
| 30 year fixed |
3.000% |
3.045% |
5.000% |
$632.41 |
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 2020
Based on $25,000 loan amount
|
72 months
|
3.95%
|
4.057%
|
$391.78
|
|
|
60 months
|
3.55%
|
3.676%
|
$456.76
|
| |
48 months
|
3.25%
|
3.404%
|
$557.83
|
| |
36 months
|
2.95%
|
3.151%
|
$728.70
|
|
Used Auto 2019
Based on $20,000 loan amount
|
72 months
|
4.25%
|
4.383%
|
$316.41
|
|
|
60 months
|
3.95%
|
4.107%
|
$369.30
|
|
|
48 months
|
3.65%
|
3.843%
|
$450.17
|
| |
36 months
|
3.35%
|
3.602%
|
$586.95
|
|
Used Auto 2018
Based on $15,000 loan amount
|
72 months
|
4.55%
|
4.727%
|
$239.68
|
|
|
60 months
|
4.25%
|
4.459%
|
$279.36
|
|
|
48 months
|
3.95%
|
4.206%
|
$340.07
|
| |
36 months
|
3.65%
|
3.985%
|
$442.76
|
|
Used Auto 2017
Based on $10,000 loan amount
|
72 months
|
5.15%
|
5.416%
|
$162.98
|
|
|
60 months
|
4.85%
|
5.163%
|
$189.46
|
|
|
48 months
|
4.55%
|
4.934%
|
$229.99
|
|
|
36 months
|
4.25%
|
4.753%
|
$398.60
|
|
Used Auto 2016
Based on $10,000 loan amount
|
60 months
|
5.75%
|
6.067%
|
$193.64
|
|
|
48 months
|
5.45%
|
5.838%
|
$234.11
|
|
|
36 months
|
5.25%
|
5.757%
|
$303.12
|
|
Used Auto 2015 or 2014
Based on $10,000 loan amount
|
48 months
|
6.95%
|
7.344%
|
$241.06
|
|
|
36 months
|
6.45%
|
6.962%
|
$308.60
|
|
New Personal Recreation
Based on $10,000 loan amount
|
60 months
|
7.95%
|
8.276%
|
$204.09
|
|
|
48 months
|
7.25%
|
7.645%
|
$242.47
|
|
|
36 months
|
6.95%
|
7.464%
|
$310.90
|
|
Used Personal Recreation
Based on $10,000 loan amount
|
36 months
|
7.95%
|
8.469%
|
$315.53
|
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 751 or above.
- APR is the Annual Percentage Rate.
|
