Loan Rates

 

Mortgage Rates

ProgramRateAPRMinimum % Down PaymentMonthly PaymentAmortization
15 year Section 184 3.000% 3.295% 2.250% $1,035.87 15 years
30 year Section 184 3.750% 3.918% 2.250% $694.67 30 years
15 year fixed 2.750% 2.832% 5.000% $1,017.93 15 years
20 year fixed 3.125% 3.189% 5.000% $841.31 20 years
30 year fixed 3.375% 3.421% 5.000% $663.14 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%

4.023%

$547.95

 

60 months

3.55%

3.637%

$638.86

 

48 months

3.25%

3.357%

$780.23

 

36 months

2.95%

3.089%

$1,019.22

Used Auto 2020
Based on $35,000 loan amount

72 months

4.25%

4.324%

$552.76

 

 60 months

3.95% 

 4.037%

$645.16 

 

48 months

3.65%

3.757%

$786.46

 

36 months

3.35%

3.489%

$1,025.41

Used Auto 2019
Based on $30,000 loan amount

72 months

4.55%

4.636%

$478.10

 

60 months

 4.25%

 4.352%

$557.27

 

48 months

3.95%

4.075%

$678.38

 

36 months

3.65%

3.813%

$883.23

Used Auto 2018
Based on $25,000 loan amount

72 months

4.75%

4.854%

$400.93

 

60 months

 4.55%

4.672% 

$468.04

 

48 months

4.05%

4.200%

$566.72

 

36 months

3.85%

4.046%

$738.61

Used Auto 2017
Based on $25,000 loan amount

60 months

4.75%

4.873%

$470.32

 

48 months

4.45%

4.601%

$571.22

 

36 months

4.25%

4.446%

$743.07

Used Auto 2016 - 2011
Based on $20,000 loan amount

48 months

5.95%

6.140%

$470.99

 

36 months

5.45%

5.697%

$605.70

Used Auto 2010 & Older
Based on $10,000 loan amount

36 Months

9.95%

 10.457% $324.82 

New Personal Recreation
Based on $10,000 loan amount

60 months

6.95%

7.263%

$199.26

 

48 months

6.25%

6.632%

$237.76

 

36 months

5.95%

6.448%

$306.25

Used Personal Recreation
Based on $10,000 loan amount

48 months

7.95%

8.336%

$245.71

 

36 months

6.95%

7.450%  $310.83 

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.

More Personal Loans

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

 

 

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