Loan Rates

 

Mortgage Rates

ProgramRateAPRMinimum % Down PaymentMonthly PaymentAmortization
15 year Section 184 N/A N/A 2.250% N/A 15 years
30 year Section 184 6.875% 7.077% 2.250% $985.39 30 years
15 year fixed 6.625% 6.716% 5.000% $1,316.99 15 years
20 year fixed 7.375% 7.450% 5.000% $1,196.95 20 years
30 year fixed 7.500% 7.559% 5.000% $1,048.82 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 2023
Based on $35,000 loan amount

72 months

3.95%

4.024%

$547.96

 

60 months

3.55%

3.637%

$638.86

 

48 months

3.25%

3.357%

$780.24

 

36 months

2.95%

3.090%

$1,019.24

Used Auto 2022
Based on $35,000 loan amount

72 months

4.25%

4.324%

$552.77

 

 60 months

3.95% 

 4.037%

$645.17 

 

48 months

3.65%

3.757%

$786.47

 

36 months

3.35%

3.491%

$1,025.43

Used Auto 2021
Based on $30,000 loan amount

72 months

4.55%

4.637%

$478.11

 

60 months

 4.25%

 4.352%

$557.27

 

48 months

3.95%

4.076%

$678.39

 

36 months

3.65%

3.814%

$883.24

Used Auto 2020
Based on $25,000 loan amount

72 months

4.75%

4.854%

$400.94

 

60 months

 4.55%

4.673% 

$468.04

 

48 months

4.05%

4.201%

$566.73

 

36 months

3.85%

4.048%

$738.63

Used Auto 2019
Based on $25,000 loan amount

60 months

4.75%

4.873%

$470.33

 

48 months

4.45%

4.601%

$571.23

 

36 months

4.25%

4.448%

$743.09

Used Auto 2018 - 2013
Based on $20,000 loan amount

48 months

5.95%

6.141%

$470.99

 

36 months

5.45%

5.699%

$605.71

Used Auto 2012 & Older
Based on $10,000 loan amount

36 Months

9.95%

 10.461% $324.84 

New Personal Recreation
Based on $10,000 loan amount

60 months

6.95%

7.264%

$199.26

 

48 months

6.25%

6.633%

$237.76

 

36 months

5.95%

6.450%

$306.26

Used Personal Recreation
Based on $10,000 loan amount

48 months

7.95%

8.338%

$245.72

 

36 months

6.95%

7.453%  $310.85 

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.

 

 

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