Loan Rates

 

Mortgage Rates

ProgramRateAPRMinimum % Down PaymentMonthly PaymentAmortization
15 year Section 184 2.875% 3.169% 2.250% $1,026.88 15 years
30 year Section 184 3.000% 3.161% 2.250% $632.41 30 years
15 year fixed 2.625% 2.707% 5.000% $1,009.03 15 years
20 year fixed 2.875% 2.938% 5.000% $822.54 20 years
30 year fixed 3.000% 3.045% 5.000% $632.41 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 $25,000 loan amount

72 months

5.95%

6.059%

$415.02

 

60 months

5.55%

5.677%

$479.58

 

48 months

5.25%

5.405%

$580.33

 

36 months

4.95%

5.153%

$750.99

Used Auto 2019
Based on $20,000 loan amount

72 months

6.25%

6.386%

$335.11

 

 60 months

5.95% 

 6.109%

$387.67 

 

48 months

5.65%

5.844%

$468.27

 

36 months

5.35%

5.603%

$604.85

Used Auto 2018
Based on $15,000 loan amount

72 months

6.55%

6.730%

$253.80

 

60 months

 6.25%

 6.462%

$293.22

 

48 months

5.95%

6.209%

$353.71

 

36 months

5.65%

5.988%

$456.24

Used Auto 2017
Based on $10,000 loan amount

72 months

7.15%

7.421%

$172.52

 

60 months

 6.85%

7.168% 

$198.80

 

48 months

6.55%

6.938%

$239.18

 

36 months

6.25%

6.756%

$307.66

Used Auto 2016
Based on $10,000 loan amount

60 months

7.75%

8.071%

$203.10

 

48 months

7.45%

7.841%

$243.39

 

36 months

7.25%

7.760%

$312.26

Used Auto 2015 or 2014
Based on $10,000 loan amount

48 months

8.95%

9.347%

$250.50

 

36 months

8.45%

8.964%

$317.83

New Personal Recreation
Based on $10,000 loan amount

60 months

9.95%

10.279%

$213.85

 

48 months

9.25%

9.648%

$251.94

 

36 months

8.95%

9.466%

$320.17

Used Personal Recreation
Based on $10,000 loan amount

36 months

9.95%

10.470%

$324.88

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 601 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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