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 3.375% 3.539% 2.250% $663.14 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 3.250% 3.295% 5.000% $652.81 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%

4.029%

$548.04

 

60 months

3.55%

3.642%

$638.04

 

48 months

3.25%

3.363%

$780.32

 

36 months

2.95%

3.096%

$1,019.33

Used Auto 2020
Based on $35,000 loan amount

72 months

4.25%

4.329%

$552.85

 

 60 months

3.95% 

 4.043%

$645.26 

 

48 months

3.65%

3.764%

$786.57

 

36 months

3.35%

3.497%

$1,025.53

Used Auto 2019
Based on $30,000 loan amount

72 months

4.55%

4.642%

$478.18

 

60 months

 4.25%

 4.358%

$557.36

 

48 months

3.95%

4.082%

$678.48

 

36 months

3.65%

3.822%

$883.34

Used Auto 2018
Based on $25,000 loan amount

72 months

5.15%

5.261%

$405.66

 

60 months

 4.85%

4.980% 

$471.56

 

48 months

4.55%

4.709%

$572.45

 

36 months

4.25%

4.457%

$743.19

Used Auto 2017
Based on $25,000 loan amount

60 months

5.75%

5.883%

$481.96

 

48 months

5.45%

5.612%

$582.69

 

36 months

5.25%

5.460%

$754.44

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

48 months

6.95%

7.155%

$480.36

 

36 months

6.45%

6.713%

$614.93

New Personal Recreation
Based on $10,000 loan amount

60 months

7.95%

8.279%

$204.10

 

48 months

7.25%

7.649%

$242.48

 

36 months

6.95%

7.467%

$310.91

Used Personal Recreation
Based on $10,000 loan amount

36 months

7.95%

8.472%

$315.55

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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