Mortgage Rates
| Program | Rate | APR | Minimum % Down Payment | Monthly Payment | Amortization |
|---|
| 15 year Section 184 |
3.000% |
3.295% |
2.250% |
$1,035.87 |
15 years |
| 30 year Section 184 |
3.750% |
3.918% |
2.250% |
$694.67 |
30 years |
| 15 year fixed |
2.750% |
2.832% |
5.000% |
$1,017.93 |
15 years |
| 20 year fixed |
3.125% |
3.189% |
5.000% |
$841.31 |
20 years |
| 30 year fixed |
3.375% |
3.421% |
5.000% |
$663.14 |
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%
|
4.023%
|
$547.95
|
|
|
60 months
|
3.55%
|
3.637%
|
$638.86
|
| |
48 months
|
3.25%
|
3.357%
|
$780.23
|
| |
36 months
|
2.95%
|
3.089%
|
$1,019.22
|
|
Used Auto 2020
Based on $35,000 loan amount
|
72 months
|
4.25%
|
4.324%
|
$552.76
|
|
|
60 months
|
3.95%
|
4.037%
|
$645.16
|
|
|
48 months
|
3.65%
|
3.757%
|
$786.46
|
| |
36 months
|
3.35%
|
3.489%
|
$1,025.41
|
|
Used Auto 2019
Based on $30,000 loan amount
|
72 months
|
4.55%
|
4.636%
|
$478.10
|
|
|
60 months
|
4.25%
|
4.352%
|
$557.27
|
|
|
48 months
|
3.95%
|
4.075%
|
$678.38
|
| |
36 months
|
3.65%
|
3.813%
|
$883.23
|
|
Used Auto 2018
Based on $25,000 loan amount
|
72 months
|
4.75%
|
4.854%
|
$400.93
|
|
|
60 months
|
4.55%
|
4.672%
|
$468.04
|
|
|
48 months
|
4.05%
|
4.200%
|
$566.72
|
|
|
36 months
|
3.85%
|
4.046%
|
$738.61
|
|
Used Auto 2017
Based on $25,000 loan amount
|
60 months
|
4.75%
|
4.873%
|
$470.32
|
|
|
48 months
|
4.45%
|
4.601%
|
$571.22
|
|
|
36 months
|
4.25%
|
4.446%
|
$743.07
|
|
Used Auto 2016 - 2011
Based on $20,000 loan amount
|
48 months
|
5.95%
|
6.140%
|
$470.99
|
|
|
36 months
|
5.45%
|
5.697%
|
$605.70
|
|
Used Auto 2010 & Older
Based on $10,000 loan amount
|
36 Months
|
9.95%
|
10.457% |
$324.82 |
|
New Personal Recreation
Based on $10,000 loan amount
|
60 months
|
6.95%
|
7.263%
|
$199.26
|
|
|
48 months
|
6.25%
|
6.632%
|
$237.76
|
|
|
36 months
|
5.95%
|
6.448%
|
$306.25
|
|
Used Personal Recreation
Based on $10,000 loan amount
|
48 months
|
7.95%
|
8.336%
|
$245.71
|
| |
36 months
|
6.95%
|
7.450% |
$310.83 |
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.
|
