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 |
3.375% |
3.539% |
2.250% |
$663.14 |
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 |
3.250% |
3.295% |
5.000% |
$652.81 |
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 2021
Based on $35,000 loan amount
|
72 months
|
3.95%
|
4.028%
|
$548.03
|
|
|
60 months
|
3.55%
|
3.642%
|
$638.93
|
| |
48 months
|
3.25%
|
3.362%
|
$780.32
|
| |
36 months
|
2.95%
|
3.096%
|
$1,019.32
|
|
Used Auto 2020
Based on $35,000 loan amount
|
72 months
|
4.25%
|
4.329%
|
$552.84
|
|
|
60 months
|
3.95%
|
4.043%
|
$645.25
|
|
|
48 months
|
3.65%
|
3.763%
|
$786.56
|
| |
36 months
|
3.35%
|
3.497%
|
$1,025.52
|
|
Used Auto 2019
Based on $30,000 loan amount
|
72 months
|
4.55%
|
4.642%
|
$478.18
|
|
|
60 months
|
4.25%
|
4.358%
|
$557.35
|
|
|
48 months
|
3.95%
|
4.082%
|
$678.47
|
| |
36 months
|
3.65%
|
3.821%
|
$883.33
|
|
Used Auto 2018
Based on $25,000 loan amount
|
72 months
|
5.15%
|
5.260%
|
$405.65
|
|
|
60 months
|
4.85%
|
4.980%
|
$471.55
|
|
|
48 months
|
4.55%
|
4.708%
|
$572.44
|
|
|
36 months
|
4.25%
|
4.456%
|
$743.18
|
|
Used Auto 2017
Based on $25,000 loan amount
|
60 months
|
5.75%
|
5.882%
|
$481.96
|
|
|
48 months
|
5.45%
|
5.611%
|
$582.68
|
|
|
36 months
|
5.25%
|
5.458%
|
$754.43
|
|
Used Auto 2016 or 2015
Based on $20,000 loan amount
|
48 months
|
6.95%
|
7.153%
|
$480.35
|
|
|
36 months
|
6.45%
|
6.712%
|
$614.91
|
|
New Personal Recreation
Based on $10,000 loan amount
|
60 months
|
7.95%
|
8.277%
|
$204.09
|
|
|
48 months
|
7.25%
|
7.647%
|
$242.48
|
|
|
36 months
|
6.95%
|
7.466%
|
$310.91
|
|
Used Personal Recreation
Based on $10,000 loan amount
|
36 months
|
7.95%
|
8.470%
|
$315.54
|
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.
|
