Mortgage Rates
| Program | Rate | APR | Minimum % Down Payment | Monthly Payment | Amortization |
|---|
| 15 year Section 184 |
2.750% |
3.043% |
2.250% |
$1,017.93 |
15 years |
| 30 year Section 184 |
2.625% |
2.782% |
2.250% |
$602.48 |
30 years |
| 15 year fixed |
2.125% |
2.205% |
5.000% |
$973.92 |
15 years |
| 20 year fixed |
2.375% |
2.437% |
5.000% |
$785.75 |
20 years |
| 30 year fixed |
2.500% |
2.544% |
5.000% |
$592.68 |
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 2020
Based on $35,000 loan amount
|
72 months
|
3.95%
|
4.024%
|
$547.97
|
|
|
60 months
|
3.55%
|
3.638%
|
$638.87
|
| |
48 months
|
3.25%
|
3.357%
|
$780.24
|
| |
36 months
|
2.95%
|
3.090%
|
$1,019.23
|
|
Used Auto 2019
Based on $35,000 loan amount
|
72 months
|
4.25%
|
4.325%
|
$552.77
|
|
|
60 months
|
3.95%
|
4.038%
|
$645.18
|
|
|
48 months
|
3.65%
|
3.758%
|
$786.48
|
| |
36 months
|
3.35%
|
3.490%
|
$1,025.42
|
|
Used Auto 2018
Based on $30,000 loan amount
|
72 months
|
4.55%
|
4.637%
|
$478.12
|
|
|
60 months
|
4.25%
|
4.353%
|
$557.29
|
|
|
48 months
|
3.95%
|
4.076%
|
$678.39
|
| |
36 months
|
3.65%
|
3.814%
|
$883.24
|
|
Used Auto 2017
Based on $25,000 loan amount
|
72 months
|
5.15%
|
5.255%
|
$405.59
|
|
|
60 months
|
4.85%
|
4.974%
|
$471.48
|
|
|
48 months
|
4.55%
|
4.702%
|
$572.36
|
|
|
36 months
|
4.25%
|
4.448%
|
$743.09
|
|
Used Auto 2016
Based on $25,000 loan amount
|
60 months
|
5.75%
|
5.875%
|
$481.87
|
|
|
48 months
|
5.45%
|
5.603%
|
$582.58
|
|
|
36 months
|
5.25%
|
5.448%
|
$754.32
|
|
Used Auto 2015 or 2014
Based on $20,000 loan amount
|
48 months
|
6.95%
|
7.143%
|
$480.25
|
|
|
36 months
|
6.45%
|
6.700%
|
$614.80
|
|
New Personal Recreation
Based on $10,000 loan amount
|
60 months
|
7.95%
|
8.268%
|
$204.05
|
|
|
48 months
|
7.25%
|
7.637%
|
$242.43
|
|
|
36 months
|
6.95%
|
7.453%
|
$310.84
|
|
Used Personal Recreation
Based on $10,000 loan amount
|
36 months
|
7.95%
|
8.455%
|
$315.47
|
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.
|
