Mortgage Rates
| Program | Rate | APR | Minimum % Down Payment | Monthly Payment | Amortization |
|---|
| 15 year Section 184 |
6.875% |
7.204% |
2.250% |
$1,337.78 |
15 years |
| 30 year Section 184 |
7.375% |
7.584% |
2.250% |
$1,036.01 |
30 years |
| 15 year fixed |
6.625% |
6.716% |
5.000% |
$1,316.99 |
15 years |
| 20 year fixed |
7.000% |
7.074% |
5.000% |
$1,162.95 |
20 years |
| 30 year fixed |
7.250% |
7.308% |
5.000% |
$1,023.26 |
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
|
4.95%
|
5.031%
|
$564.17
|
|
|
60 months
|
4.55%
|
4.644%
|
$654.80
|
| |
48 months
|
4.25%
|
4.365%
|
$795.99
|
| |
36 months
|
3.95%
|
4.100%
|
$1,034.89
|
|
Used Auto 2022
Based on $35,000 loan amount
|
72 months
|
5.25%
|
5.331%
|
$569.07
|
|
|
60 months
|
4.95%
|
5.045%
|
$661.21
|
|
|
48 months
|
4.65%
|
4.766%
|
$802.32
|
| |
36 months
|
4.35%
|
4.501%
|
$1,041.15
|
|
Used Auto 2021
Based on $30,000 loan amount
|
72 months
|
5.55%
|
5.644%
|
$492.17
|
|
|
60 months
|
5.25%
|
5.360%
|
$571.10
|
|
|
48 months
|
4.95%
|
5.085%
|
$692.03
|
| |
36 months
|
4.65%
|
4.825%
|
$896.78
|
|
Used Auto 2020
Based on $25,000 loan amount
|
72 months
|
5.75%
|
5.862%
|
$412.70
|
|
|
60 months
|
5.55%
|
5.682%
|
$479.63
|
|
|
48 months
|
5.05%
|
5.210%
|
$578.12
|
|
|
36 months
|
4.85%
|
5.059%
|
$749.94
|
|
Used Auto 2019
Based on $25,000 loan amount
|
60 months
|
5.75%
|
5.882%
|
$481.95
|
|
|
48 months
|
5.45%
|
5.611%
|
$582.68
|
|
|
36 months
|
5.25%
|
5.461%
|
$754.45
|
|
Used Auto 2018 - 2013
Based on $20,000 loan amount
|
48 months
|
7.95%
|
8.157%
|
$489.74
|
|
|
36 months
|
7.45%
|
7.718%
|
$624.13
|
|
Used Auto 2012 & Older
Based on $10,000 loan amount
|
36 Months
|
9.95%
|
10.484% |
$324.95 |
|
New Personal Recreation
Based on $10,000 loan amount
|
60 months
|
7.95%
|
8.278%
|
$204.10
|
|
|
48 months
|
7.25%
|
7.648%
|
$242.48
|
|
|
36 months
|
6.95%
|
7.469%
|
$310.92
|
|
Used Personal Recreation
Based on $10,000 loan amount
|
48 months
|
7.95%
|
8.351%
|
$245.78
|
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.
|
