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
|
5.95%
|
6.059%
|
$415.02
|
|
|
60 months
|
5.55%
|
5.677%
|
$479.58
|
| |
48 months
|
5.25%
|
5.405%
|
$580.33
|
| |
36 months
|
4.95%
|
5.153%
|
$750.99
|
|
Used Auto 2019
Based on $20,000 loan amount
|
72 months
|
6.25%
|
6.386%
|
$335.11
|
|
|
60 months
|
5.95%
|
6.109%
|
$387.67
|
|
|
48 months
|
5.65%
|
5.844%
|
$468.27
|
| |
36 months
|
5.35%
|
5.603%
|
$604.85
|
|
Used Auto 2018
Based on $15,000 loan amount
|
72 months
|
6.55%
|
6.730%
|
$253.80
|
|
|
60 months
|
6.25%
|
6.462%
|
$293.22
|
|
|
48 months
|
5.95%
|
6.209%
|
$353.71
|
| |
36 months
|
5.65%
|
5.988%
|
$456.24
|
|
Used Auto 2017
Based on $10,000 loan amount
|
72 months
|
7.15%
|
7.421%
|
$172.52
|
|
|
60 months
|
6.85%
|
7.168%
|
$198.80
|
|
|
48 months
|
6.55%
|
6.938%
|
$239.18
|
|
|
36 months
|
6.25%
|
6.756%
|
$307.66
|
|
Used Auto 2016
Based on $10,000 loan amount
|
60 months
|
7.75%
|
8.071%
|
$203.10
|
|
|
48 months
|
7.45%
|
7.841%
|
$243.39
|
|
|
36 months
|
7.25%
|
7.760%
|
$312.26
|
|
Used Auto 2015 or 2014
Based on $10,000 loan amount
|
48 months
|
8.95%
|
9.347%
|
$250.50
|
|
|
36 months
|
8.45%
|
8.964%
|
$317.83
|
|
New Personal Recreation
Based on $10,000 loan amount
|
60 months
|
9.95%
|
10.279%
|
$213.85
|
|
|
48 months
|
9.25%
|
9.648%
|
$251.94
|
|
|
36 months
|
8.95%
|
9.466%
|
$320.17
|
|
Used Personal Recreation
Based on $10,000 loan amount
|
36 months
|
9.95%
|
10.470%
|
$324.88
|
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 601 or above.
- APR is the Annual Percentage Rate.
|
