Mortgage Rates
Program | Rate | APR | Minimum % Down Payment | Monthly Payment | Amortization |
15 year Section 184 |
2.750% |
3.043% |
2.250% |
$1,017.93 |
15 years |
30 year Section 184 |
3.250% |
3.413% |
2.250% |
$652.81 |
30 years |
15 year fixed |
2.500% |
2.581% |
5.000% |
$1,000.18 |
15 years |
20 year fixed |
2.875% |
2.938% |
5.000% |
$822.54 |
20 years |
30 year fixed |
3.125% |
3.170% |
5.000% |
$642.56 |
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%
|
4.020%
|
$547.90
|
|
60 months
|
3.55%
|
3.633%
|
$638.80
|
|
48 months
|
3.25%
|
3.352%
|
$780.16
|
|
36 months
|
2.95%
|
3.084%
|
$1,019.14
|
Used Auto 2020 Based on $35,000 loan amount
|
72 months
|
4.25%
|
4.320%
|
$552.70
|
|
60 months
|
3.95%
|
4.033%
|
$645.10
|
|
48 months
|
3.65%
|
3.752%
|
$786.39
|
|
36 months
|
3.35%
|
3.483%
|
$1,025.31
|
Used Auto 2019 Based on $30,000 loan amount
|
72 months
|
4.55%
|
4.632%
|
$478.05
|
|
60 months
|
4.25%
|
4.347%
|
$557.21
|
|
48 months
|
3.95%
|
4.070%
|
$678.31
|
|
36 months
|
3.65%
|
3.806%
|
$883.14
|
Used Auto 2018 Based on $25,000 loan amount
|
72 months
|
5.15%
|
5.250%
|
$405.53
|
|
60 months
|
4.85%
|
4.968%
|
$471.41
|
|
48 months
|
4.55%
|
4.695%
|
$572.28
|
|
36 months
|
4.25%
|
4.438%
|
$742.99
|
Used Auto 2017 Based on $25,000 loan amount
|
60 months
|
5.75%
|
5.868%
|
$481.78
|
|
48 months
|
5.45%
|
5.594%
|
$582.48
|
|
36 months
|
5.25%
|
5.437%
|
$754.19
|
Used Auto 2016 or 2015 Based on $20,000 loan amount
|
48 months
|
6.95%
|
7.132%
|
$480.15
|
|
36 months
|
6.45%
|
6.686%
|
$614.67
|
New Personal Recreation Based on $10,000 loan amount
|
60 months
|
7.95%
|
8.257%
|
$204.00
|
|
48 months
|
7.25%
|
7.625%
|
$242.37
|
|
36 months
|
6.95%
|
7.437%
|
$310.78
|
Used Personal Recreation Based on $10,000 loan amount
|
36 months
|
7.95%
|
8.437%
|
$315.39
|
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.
|