Loan Rates

Mortgage Rates

Program	Rate	APR	Minimum % Down Payment	Monthly Payment	Amortization
15 year Section 184	7.125%	7.397%	2.250%	$1,358.75	15 years
30 year Section 184	7.625%	7.799%	2.250%	$1,061.69	30 years
15 year fixed	7.125%	7.238%	5.000%	$1,358.75	15 years
20 year fixed	6.625%	6.714%	5.000%	$1,129.43	20 years
30 year fixed	7.375%	7.446%	5.000%	$1,036.01	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.

Product	Term	Rate	APR	Payment
New Auto 2024 Based on $35,000 loan amount	72 months	4.95%	5.024%	$564.06
	60 months	4.55%	4.637%	$654.69
	48 months	4.25%	4.356%	$795.86
	36 months	3.95%	4.089%	$1,034.72
Used Auto 2023 Based on $35,000 loan amount	72 months	5.25%	5.324%	$568.95
	60 months	4.95%	5.037%	$661.09
	48 months	4.65%	4.757%	$802.17
	36 months	4.35%	4.489%	$1,040.97
Used Auto 2022 Based on $30,000 loan amount	72 months	5.55%	5.637%	$492.06
	60 months	5.25%	5.352%	$570.99
	48 months	4.95%	5.075%	$691.90
	36 months	4.65%	4.813%	$896.60
Used Auto 2021 Based on $25,000 loan amount	72 months	5.75%	5.855%	$412.61
	60 months	5.55%	5.673%	$479.53
	48 months	5.05%	5.200%	$578.00
	36 months	4.85%	5.046%	$749.79
Used Auto 2020 Based on $25,000 loan amount	60 months	5.75%	5.873%	$481.85
	48 months	5.45%	5.600%	$582.56
	36 months	5.25%	5.446%	$754.29
Used Auto 2019 - 2014 Based on $20,000 loan amount	48 months	7.95%	8.141%	$489.58
	36 months	7.45%	7.697%	$623.94
Used Auto 2013 & Older Based on $10,000 loan amount	36 Months	9.95%	10.456%	$324.82
New Personal Recreation Based on $10,000 loan amount	60 months	7.95%	8.265%	$204.04
	48 months	7.25%	7.634%	$242.41
	36 months	6.95%	7.449%	$310.83
Used Personal Recreation Based on $10,000 loan amount	48 months	7.95%	8.335%	$245.71

Disclosures:

Bay Bank offers CD Loans and Signature Loans, contact a consumer lender today for rates and terms.