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 |
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.
|
