Mortgage Rates

Mortgage Rates
ProgramRateAPRMinimum % Down PaymentMonthly PaymentAmortization
15 year Section 184 4.500% 4.808% 2.250% $1,147.49 15 years
30 year Section 184 4.750% 4.928% 2.250% $782.47 30 years
15 year fixed 4.000% 4.085% 5.000% $1,109.53 15 years
20 year fixed 4.250% 4.317% 5.000% $928.85 20 years
30 year fixed 4.375% 4.424% 5.000% $748.93 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% 6.064% $415.07
60 months 5.55% 5.682% $479.63
48 months 5.25% 5.412% $580.41
36 months 4.95% 5.160% $751.08
New Auto Loan 2018 (Based on $20,000 loan amount)
TermRateAPRMonthly Payment
60 months 5.95% 6.114% $387.72
48 months 5.65% 5.851% $468.34
36 months 5.35% 5.612% $604.93
Used Auto Loan 2017 (Based on $15,000 loan amount)
TermRateAPRMonthly Payment
60 months 6.25% 6.467% $293.26
48 months 5.95% 6.216% $353.76
36 months 5.65% 5.997% $456.31
Used Auto Loan 2016 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months 6.95% 7.274% $199.31
48 months 6.45% 6.846% $238.75
36 months 6.25% 6.767% $307.70
Used Auto Loan 2015 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months 7.75%  8.078% $203.14
48 months 7.45% 7.850% $243.43
36 months 7.25% 7.771% $312.31
Used Auto Loan 2014 or 2013 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
48 months 8.95% 9.358% $250.55
36 months 8.45% 8.978% $317.89
New Personal Recreation (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months  9.95% 10.288% $213.89
48 months  9.25% 9.659% $251.99
36 months 8.95% 9.480% $320.24
Used Personal Recreation (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
36 months 9.95% 10.485% $324.96

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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