Mortgage Rates
| Program | Rate | APR | Minimum % Down Payment | Monthly Payment | Amortization |
|---|---|---|---|---|---|
| 15 year Section 184 | 6.875% | 7.145% | 2.25% | $1,337.78 | 15 years |
| 30 year Section 184 | 7.500% | 7.672% | 2.25% | $1,048.82 | 30 years |
| 15 year fixed | 6.875% | 6.987% | 5.00% | $1,337.78 | 15 years |
| 20 year fixed | 7.125% | 7.216% | 5.00% | $1,174.23 | 20 years |
| 30 year fixed | 7.375% | 7.446% | 5.00% | $1,036.01 | 30 years |
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.
Personal Loan Rates
| Product | Term | Rate | APR | Payment |
|---|---|---|---|---|
| New Auto 2025 Based on $35,000 loan amount | 72 months | 4.95% | 5.029% | $564.14 |
| 60 months | 4.55% | 4.642% | $654.77 | |
| 48 months | 4.25% | 4.636% | $795.96 | |
| 36 months | 3.95% | 4.096% | $1,034.83 | |
| Used Auto 2024 Based on $35,000 loan amount | 72 months | 5.25% | 5.329% | $569.03 |
| 60 months | 4.95% | 5.043% | $661.18 | |
| 48 months | 4.65% | 4.763% | $802.28 | |
| 36 months | 4.35% | 4.496% | $1,041.09 | |
| Used Auto 2023 Based on $30,000 loan amount | 72 months | 5.55% | 5.642% | $492.14 |
| 60 months | 5.25% | 5.358% | $571.07 | |
| 48 months | 4.95% | 5.082% | $691.99 | |
| 36 months | 4.65% | 4.821% | $896.71 | |
| Used Auto 2022 Based on $25,000 loan amount | 72 months | 5.75% | 5.860% | $412.67 |
| 60 months | 5.55% | 5.679% | $479.60 | |
| 48 months | 5.05% | 5.208% | $578.09 | |
| 36 months | 4.85% | 5.054% | $749.88 | |
| Used Auto 2021 Based on $25,000 loan amount | 60 months | 5.75% | 5.880% | $481.92 |
| 48 months | 5.45% | 5.608% | $582.65 | |
| 36 months | 5.25% | 5.455% | $754.39 | |
| Used Auto 2020 - 2015 Based on $20,000 loan amount | 48 months | 7.95% | 8.153% | $489.69 |
| 36 months | 7.45% | 7.711% | $624.06 | |
| Used Auto 2014 & Older Based on $10,000 loan amount | 36 Months | 9.95% | 10.473% | $324.90 |
| New Personal Recreation Based on $10,000 loan amount | 60 months | 7.95% | 8.275% | $204.08 |
| 48 months | 7.25% | 7.644% | $242.46 | |
| 36 months | 6.95% | 7.462% | $310.89 | |
| Used Personal Recreation Based on $10,000 loan amount | 48 months | 7.95% | 8.347% | $245.76 |
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.