Mortgage Rates

Mortgage Rates
ProgramRateAPRMinimum % Down PaymentMonthly PaymentAmortization
15 year Section 184 4.875% 5.186% 2.250% $1,176.45 15 years
30 year Section 184 5.000% 5.181% 2.250% $805.23 30 years
15 year fixed 4.125% 4.210% 5.000% $1,118.95 15 years
20 year fixed 4.500% 4.567% 5.000% $948.97 20 years
30 year fixed 4.625% 4.674% 5.000% $771.21 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 Premium of 0.25% per year is required with less than 22% down for a purchase or less than 22% equity for a refinance for Section 184 Loans.  For further details, see HUD Annual Premium.
  • The above examples for 15, 20, and 30 year fixed loans assume a credit score of 740 or above.
  • Payments do not include amounts for property taxes, insurance premiums, or home owner 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

New Auto Loan 2019 (Based on $25,000 loan amount)
TermRateAPRMonthly Payment
72 months 5.95% 6.056% $414.98
60 months 5.55% 5.674% $479.54
48 months 5.25% 5.402% $580.30
36 months 4.95% 5.148% $750.94
New Auto Loan 2018 (Based on $20,000 loan amount)
TermRateAPRMonthly Payment
60 months 5.95% 6.105% $387.64
48 months 5.65% 5.841% $468.24
36 months 5.35% 5.599% $604.81
Used Auto Loan 2017 (Based on $15,000 loan amount)
TermRateAPRMonthly Payment
60 months 6.25% 6.458% $293.20
48 months 5.95% 6.205% $353.69
36 months 5.65% 5.983% $456.21
Used Auto Loan 2016 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months 6.95% 7.264% $199.26
48 months 6.45% 6.834% $238.69
36 months 6.25% 6.751% $307.63
Used Auto Loan 2015 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months 7.75%  8.066% $203.08
48 months 7.45% 7.836% $243.36
36 months 7.25% 7.754% $312.23
Used Auto Loan 2014 or 2013 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
48 months 8.95% 9.341% $250.47
36 months 8.45% 8.957% $317.80
New Personal Recreation (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months  9.95% 10.272% $213.81
48 months  9.25% 9.642% $251.91
36 months 8.95% 9.458% $320.13
Used Personal Recreation (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
36 months 9.95% 10.461% $324.84

Bay Bank offers CD Loans and Signature Loans, contact a personal banker today for rates and terms.

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.
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