Mortgage Rates
| Program | Rate | APR | Minimum % Down Payment | Monthly Payment | Amortization |
|---|
| 15 year Section 184 |
N/A |
N/A |
2.250% |
N/A |
15 years |
| 30 year Section 184 |
6.875% |
7.077% |
2.250% |
$985.39 |
30 years |
| 15 year fixed |
6.625% |
6.716% |
5.000% |
$1,316.99 |
15 years |
| 20 year fixed |
7.375% |
7.450% |
5.000% |
$1,196.95 |
20 years |
| 30 year fixed |
7.500% |
7.559% |
5.000% |
$1,048.82 |
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 2023
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%
|
$1,019.24
|
|
Used Auto 2022
Based on $35,000 loan amount
|
72 months
|
4.25%
|
4.324%
|
$552.77
|
|
|
60 months
|
3.95%
|
4.037%
|
$645.17
|
|
|
48 months
|
3.65%
|
3.757%
|
$786.47
|
| |
36 months
|
3.35%
|
3.491%
|
$1,025.43
|
|
Used Auto 2021
Based on $30,000 loan amount
|
72 months
|
4.55%
|
4.637%
|
$478.11
|
|
|
60 months
|
4.25%
|
4.352%
|
$557.27
|
|
|
48 months
|
3.95%
|
4.076%
|
$678.39
|
| |
36 months
|
3.65%
|
3.814%
|
$883.24
|
|
Used Auto 2020
Based on $25,000 loan amount
|
72 months
|
4.75%
|
4.854%
|
$400.94
|
|
|
60 months
|
4.55%
|
4.673%
|
$468.04
|
|
|
48 months
|
4.05%
|
4.201%
|
$566.73
|
|
|
36 months
|
3.85%
|
4.048%
|
$738.63
|
|
Used Auto 2019
Based on $25,000 loan amount
|
60 months
|
4.75%
|
4.873%
|
$470.33
|
|
|
48 months
|
4.45%
|
4.601%
|
$571.23
|
|
|
36 months
|
4.25%
|
4.448%
|
$743.09
|
|
Used Auto 2018 - 2013
Based on $20,000 loan amount
|
48 months
|
5.95%
|
6.141%
|
$470.99
|
|
|
36 months
|
5.45%
|
5.699%
|
$605.71
|
|
Used Auto 2012 & Older
Based on $10,000 loan amount
|
36 Months
|
9.95%
|
10.461% |
$324.84 |
|
New Personal Recreation
Based on $10,000 loan amount
|
60 months
|
6.95%
|
7.264%
|
$199.26
|
|
|
48 months
|
6.25%
|
6.633%
|
$237.76
|
|
|
36 months
|
5.95%
|
6.450%
|
$306.26
|
|
Used Personal Recreation
Based on $10,000 loan amount
|
48 months
|
7.95%
|
8.338%
|
$245.72
|
| |
36 months
|
6.95%
|
7.453% |
$310.85 |
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.
|
