Mortgage Rates
| Program | Rate | APR | Minimum % Down Payment | Monthly Payment | Amortization |
|---|
| 15 year Section 184 |
5.125% |
5.438% |
2.250% |
$1,195.98 |
15 years |
| 30 year Section 184 |
5.500% |
5.686% |
2.250% |
$851.68 |
30 years |
| 15 year fixed |
5.500% |
5.588% |
5.000% |
$1,225.63 |
15 years |
| 20 year fixed |
5.500% |
5.570% |
5.000% |
$1,031.83 |
20 years |
| 30 year fixed |
5.625% |
5.677% |
5.000% |
$863.48 |
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 2022
Based on $35,000 loan amount
|
72 months
|
3.95%
|
4.029%
|
$548.05
|
|
|
60 months
|
3.55%
|
3.643%
|
$638.95
|
| |
48 months
|
3.25%
|
3.364%
|
$780.34
|
| |
36 months
|
2.95%
|
3.098%
|
$1,019.36
|
|
Used Auto 2021
Based on $35,000 loan amount
|
72 months
|
4.25%
|
4.330%
|
$552.86
|
|
|
60 months
|
3.95%
|
4.044%
|
$645.27
|
|
|
48 months
|
3.65%
|
3.765%
|
$786.59
|
| |
36 months
|
3.35%
|
3.499%
|
$1,025.56
|
|
Used Auto 2020
Based on $30,000 loan amount
|
72 months
|
4.55%
|
4.643%
|
$478.20
|
|
|
60 months
|
4.25%
|
4.359%
|
$557.37
|
|
|
48 months
|
3.95%
|
4.084%
|
$678.50
|
| |
36 months
|
3.65%
|
3.824%
|
$883.37
|
|
Used Auto 2019
Based on $25,000 loan amount
|
72 months
|
4.75%
|
4.861%
|
$401.01
|
|
|
60 months
|
4.55%
|
4.681%
|
$468.13
|
|
|
48 months
|
4.05%
|
4.209%
|
$566.82
|
|
|
36 months
|
3.85%
|
4.058%
|
$738.74
|
|
Used Auto 2018
Based on $25,000 loan amount
|
60 months
|
4.75%
|
4.881%
|
$470.42
|
|
|
48 months
|
4.45%
|
4.610%
|
$571.33
|
|
|
36 months
|
4.25%
|
4.459%
|
$743.22
|
|
Used Auto 2017 - 2012
Based on $20,000 loan amount
|
48 months
|
5.95%
|
6.154%
|
$471.11
|
|
|
36 months
|
5.45%
|
5.713%
|
$605.84
|
|
Used Auto 2011 & Older
Based on $10,000 loan amount
|
36 Months
|
9.95%
|
10.488% |
$324.97 |
|
New Personal Recreation
Based on $10,000 loan amount
|
60 months
|
6.95%
|
7.276%
|
$199.32
|
|
|
48 months
|
6.25%
|
6.646%
|
$237.83
|
|
|
36 months
|
5.95%
|
6.466%
|
$306.34
|
|
Used Personal Recreation
Based on $10,000 loan amount
|
48 months
|
7.95%
|
8.355%
|
$245.80
|
| |
36 months
|
6.95%
|
7.472% |
$310.93 |
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.
|
