Loan Rates

 

Mortgage Rates

ProgramRateAPRMinimum % Down PaymentMonthly PaymentAmortization
15 year Section 184 7.375% 7.649% 2.250% $1,379.88 15 years
30 year Section 184 8.125% 8.304% 2.250% $1,113.75 30 years
15 year fixed 7.500% 7.614% 5.000% $1,390.52 15 years
20 year fixed 7.250% 7.341% 5.000% $1,185.56 20 years
30 year fixed 7.625% 7.697% 5.000% $1,061.69 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.
  • 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 2024
Based on $35,000 loan amount

72 months

4.95%

5.029%

$564.15

 

60 months

4.55%

4.643%

$654.78

 

48 months

4.25%

4.363%

$795.97

 

36 months

3.95%

4.097%

$1,034.85

Used Auto 2023
Based on $35,000 loan amount

72 months

5.25%

5.330%

$569.04

 

 60 months

4.95% 

 5.044%

$661.19

 

48 months

4.65%

4.765%

$802.29

 

36 months

4.35%

4.498%

$1,041.11

Used Auto 2022
Based on $30,000 loan amount

72 months

5.55%

5.643%

$492.15

 

60 months

 5.25%

 5.359%

$571.08

 

48 months

4.95%

5.083%

$692.00

 

36 months

4.65%

4.822%

$896.74

Used Auto 2021
Based on $25,000 loan amount

72 months

5.75%

5.861%

$412.68

 

60 months

 5.55%

5.680% 

$479.61

 

48 months

5.05%

5.208%

$578.09

 

36 months

4.85%

5.056%

$749.90

Used Auto 2020
Based on $25,000 loan amount

60 months

5.75%

5.881%

$481.93

 

48 months

5.45%

5.609%

$582.65

 

36 months

5.25%

5.457%

$754.41

Used Auto 2019 - 2014
Based on $20,000 loan amount

48 months

7.95%

8.154%

$489.70

 

36 months

7.45%

7.713%

$624.09

Used Auto 2013 & Older
Based on $10,000 loan amount

36 Months

9.95%

 10.477% $324.92 

New Personal Recreation
Based on $10,000 loan amount

60 months

7.95%

8.276%

$204.09

 

48 months

7.25%

7.645%

$242.47

 

36 months

6.95%

7.464%

$310.90

Used Personal Recreation
Based on $10,000 loan amount

48 months

7.95%

8.348%

$245.77

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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