Loan Rates

 

Mortgage Rates

ProgramRateAPRMinimum % Down PaymentMonthly PaymentAmortization
15 year Section 184 2.750% 3.043% 2.250% $1,017.93 15 years
30 year Section 184 3.250% 3.413% 2.250% $652.81 30 years
15 year fixed 2.500% 2.581% 5.000% $1,000.18 15 years
20 year fixed 2.875% 2.938% 5.000% $822.54 20 years
30 year fixed 3.125% 3.170% 5.000% $642.56 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 2021
Based on $35,000 loan amount

72 months

3.95%

4.020%

$547.90

 

60 months

3.55%

3.633%

$638.80

 

48 months

3.25%

3.352%

$780.16

 

36 months

2.95%

3.084%

$1,019.14

Used Auto 2020
Based on $35,000 loan amount

72 months

4.25%

4.320%

$552.70

 

 60 months

3.95% 

 4.033%

$645.10 

 

48 months

3.65%

3.752%

$786.39

 

36 months

3.35%

3.483%

$1,025.31

Used Auto 2019
Based on $30,000 loan amount

72 months

4.55%

4.632%

$478.05

 

60 months

 4.25%

 4.347%

$557.21

 

48 months

3.95%

4.070%

$678.31

 

36 months

3.65%

3.806%

$883.14

Used Auto 2018
Based on $25,000 loan amount

72 months

5.15%

5.250%

$405.53

 

60 months

 4.85%

4.968% 

$471.41

 

48 months

4.55%

4.695%

$572.28

 

36 months

4.25%

4.438%

$742.99

Used Auto 2017
Based on $25,000 loan amount

60 months

5.75%

5.868%

$481.78

 

48 months

5.45%

5.594%

$582.48

 

36 months

5.25%

5.437%

$754.19

Used Auto 2016 or 2015
Based on $20,000 loan amount

48 months

6.95%

7.132%

$480.15

 

36 months

6.45%

6.686%

$614.67

New Personal Recreation
Based on $10,000 loan amount

60 months

7.95%

8.257%

$204.00

 

48 months

7.25%

7.625%

$242.37

 

36 months

6.95%

7.437%

$310.78

Used Personal Recreation
Based on $10,000 loan amount

36 months

7.95%

8.437%

$315.39

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 751 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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