Loan Rates

 

Mortgage Rates

ProgramRateAPRMinimum % Down PaymentMonthly PaymentAmortization
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%

4.053%

$391.73

 

60 months

3.55%

3.671%

$456.71

 

48 months

3.25%

3.399%

$557.78

 

36 months

2.95%

3.145%

$728.63

Used Auto 2019
Based on $20,000 loan amount

72 months

4.25%

4.379%

$316.37

 

 60 months

3.95% 

 4.102%

$369.25 

 

48 months

3.65%

3.837%

$450.12

 

36 months

3.35%

3.595%

$586.88

Used Auto 2018
Based on $15,000 loan amount

72 months

4.55%

4.722%

$239.65

 

60 months

 4.25%

 4.453%

$279.33

 

48 months

3.95%

4.200%

$340.03

 

36 months

3.65%

3.978%

$442.71

Used Auto 2017
Based on $10,000 loan amount

72 months

5.15%

5.410%

$162.96

 

60 months

 4.85%

5.157% 

$189.43

 

48 months

4.55%

4.927%

$229.96

 

36 months

4.25%

4.744%

$298.56

Used Auto 2016
Based on $10,000 loan amount

60 months

5.75%

6.059%

$193.60

 

48 months

5.45%

5.829%

$234.07

 

36 months

5.25%

5.746%

$303.07

Used Auto 2015 or 2014
Based on $10,000 loan amount

48 months

6.95%

7.333%

$241.01

 

36 months

6.45%

6.948%

$308.53

New Personal Recreation
Based on $10,000 loan amount

60 months

7.95%

8.265%

$204.04

 

48 months

7.25%

7.634%

$242.41

 

36 months

6.95%

7.449%

$310.83

Used Personal Recreation
Based on $10,000 loan amount

36 months

7.95%

8.451%

$315.45

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.

More Personal Loans

Bay Bank offers CD Loans and Signature Loans, contact a consumer lender today for rates and terms.

 

 

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