Mortgage Rates
| Program | Rate | APR | Minimum % Down Payment | Monthly Payment | Amortization |
|---|
| 15 year Section 184 |
5.875% |
6.195% |
2.250% |
$1,255.68 |
15 years |
| 30 year Section 184 |
5.625% |
5.813% |
2.250% |
$863.48 |
30 years |
| 15 year fixed |
5.375% |
5.463% |
5.000% |
$1,215.70 |
15 years |
| 20 year fixed |
5.500% |
5.570% |
5.000% |
$1,031.83 |
20 years |
| 30 year fixed |
6.000% |
6.054% |
5.000% |
$899.33 |
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%
|
4.027%
|
$548.01
|
|
|
60 months
|
3.55%
|
3.640%
|
$638.91
|
| |
48 months
|
3.25%
|
3.361%
|
$780.29
|
| |
36 months
|
2.95%
|
3.095%
|
$1,019.30
|
|
Used Auto 2021
Based on $35,000 loan amount
|
72 months
|
4.25%
|
4.327%
|
$552.82
|
|
|
60 months
|
3.95%
|
4.041%
|
$645.22
|
|
|
48 months
|
3.65%
|
3.761%
|
$786.54
|
| |
36 months
|
3.35%
|
3.495%
|
$1,025.50
|
|
Used Auto 2020
Based on $30,000 loan amount
|
72 months
|
4.55%
|
4.640%
|
$478.16
|
|
|
60 months
|
4.25%
|
4.356%
|
$557.33
|
|
|
48 months
|
3.95%
|
4.080%
|
$678.45
|
| |
36 months
|
3.65%
|
3.820%
|
$883.31
|
|
Used Auto 2019
Based on $25,000 loan amount
|
72 months
|
4.75%
|
4.858%
|
$400.98
|
|
|
60 months
|
4.55%
|
4.677%
|
$468.09
|
|
|
48 months
|
4.05%
|
4.205%
|
$566.78
|
|
|
36 months
|
3.85%
|
4.053%
|
$738.69
|
|
Used Auto 2018
Based on $25,000 loan amount
|
60 months
|
4.75%
|
4.877%
|
$470.38
|
|
|
48 months
|
4.45%
|
4.606%
|
$571.28
|
|
|
36 months
|
4.25%
|
4.454%
|
$743.16
|
|
Used Auto 2017 - 2012
Based on $20,000 loan amount
|
48 months
|
5.95%
|
6.148%
|
$471.06
|
|
|
36 months
|
5.45%
|
5.707%
|
$605.78
|
|
Used Auto 2011 & Older
Based on $10,000 loan amount
|
36 Months
|
9.95%
|
10.475% |
$324.91 |
|
New Personal Recreation
Based on $10,000 loan amount
|
60 months
|
6.95%
|
7.270%
|
$199.29
|
|
|
48 months
|
6.25%
|
6.640%
|
$237.80
|
|
|
36 months
|
5.95%
|
6.459%
|
$306.30
|
|
Used Personal Recreation
Based on $10,000 loan amount
|
48 months
|
7.95%
|
8.347%
|
$245.76
|
| |
36 months
|
6.95%
|
7.463% |
$310.89 |
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.
|
