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 |
3.375% |
3.539% |
2.250% |
$663.14 |
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 |
3.250% |
3.295% |
5.000% |
$652.81 |
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%
|
4.024%
|
$547.96
|
|
|
60 months
|
3.55%
|
3.637%
|
$638.86
|
| |
48 months
|
3.25%
|
3.357%
|
$780.24
|
| |
36 months
|
2.95%
|
3.090%
|
$1,019.23
|
|
Used Auto 2020
Based on $35,000 loan amount
|
72 months
|
4.25%
|
4.324%
|
$552.77
|
|
|
60 months
|
3.95%
|
4.038%
|
$645.17
|
|
|
48 months
|
3.65%
|
3.757%
|
$786.47
|
| |
36 months
|
3.35%
|
3.490%
|
$1,025.42
|
|
Used Auto 2019
Based on $30,000 loan amount
|
72 months
|
4.55%
|
4.637%
|
$478.11
|
|
|
60 months
|
4.25%
|
4.352%
|
$557.28
|
|
|
48 months
|
3.95%
|
4.076%
|
$678.39
|
| |
36 months
|
3.65%
|
3.814%
|
$883.23
|
|
Used Auto 2018
Based on $25,000 loan amount
|
72 months
|
5.15%
|
5.255%
|
$405.58
|
|
|
60 months
|
4.85%
|
4.973%
|
$471.48
|
|
|
48 months
|
4.55%
|
4.701%
|
$572.36
|
|
|
36 months
|
4.25%
|
4.447%
|
$743.08
|
|
Used Auto 2017
Based on $25,000 loan amount
|
60 months
|
5.75%
|
5.874%
|
$481.86
|
|
|
48 months
|
5.45%
|
5.602%
|
$582.58
|
|
|
36 months
|
5.25%
|
5.448%
|
$754.31
|
|
Used Auto 2016 or 2015
Based on $20,000 loan amount
|
48 months
|
6.95%
|
7.142%
|
$480.25
|
|
|
36 months
|
6.45%
|
6.699%
|
$614.79
|
|
New Personal Recreation
Based on $10,000 loan amount
|
60 months
|
7.95%
|
8.267%
|
$204.04
|
|
|
48 months
|
7.25%
|
7.636%
|
$242.42
|
|
|
36 months
|
6.95%
|
7.452%
|
$310.84
|
|
Used Personal Recreation
Based on $10,000 loan amount
|
36 months
|
7.95%
|
8.454%
|
$315.46
|
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.
|
