Loan Rates

 

Mortgage Rates

ProgramRateAPRMinimum % Down PaymentMonthly PaymentAmortization
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 N/A N/A 5.000% N/A 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 2022
Based on $35,000 loan amount

72 months

3.95%

4.026%

$548.00

 

60 months

3.55%

3.639%

$638.89

 

48 months

3.25%

3.360%

$780.28

 

36 months

2.95%

3.093%

$1,019.28

Used Auto 2021
Based on $35,000 loan amount

72 months

4.25%

4.327%

$552.80

 

 60 months

3.95% 

 4.040%

$645.21 

 

48 months

3.65%

3.760%

$786.52

 

36 months

3.35%

3.494%

$1,025.48

Used Auto 2020
Based on $30,000 loan amount

72 months

4.55%

4.639%

$478.14

 

60 months

 4.25%

 4.355%

$557.31

 

48 months

3.95%

4.079%

$678.43

 

36 months

3.65%

3.818%

$883.29

Used Auto 2019
Based on $25,000 loan amount

72 months

4.75%

4.857%

$400.97

 

60 months

 4.55%

4.676% 

$468.07

 

48 months

4.05%

4.204%

$566.76

 

36 months

3.85%

4.051%

$738.67

Used Auto 2018
Based on $25,000 loan amount

60 months

4.75%

4.876%

$470.36

 

48 months

4.45%

4.605%

$571.27

 

36 months

4.25%

4.452%

$743.14

Used Auto 2017 - 2012
Based on $20,000 loan amount

48 months

5.95%

6.146%

$471.04

 

36 months

5.45%

5.704%

$605.76

Used Auto 2011 & Older
Based on $10,000 loan amount

36 Months

9.95%

 10.471% $324.89 

New Personal Recreation
Based on $10,000 loan amount

60 months

6.95%

7.268%

$199.28

 

48 months

6.25%

6.638%

$237.79

 

36 months

5.95%

6.456%

$306.29

Used Personal Recreation
Based on $10,000 loan amount

48 months

7.95%

8.344%

$245.75

 

36 months

6.95%

7.460%  $310.88 

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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