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 5.250% 5.433% 2.250% $828.31 30 years
15 year fixed 4.750% 4.836% 5.000% $1,166.75 15 years
20 year fixed 4.875% 4.943% 5.000% $979.61 20 years
30 year fixed 5.125% 5.176% 5.000% $816.73 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 2018 (Based on $25,000 loan amount)
TermRateAPRMonthly Payment
72 months 5.95% 6.059% $415.02
60 months 5.55% 5.677% $479.58
48 months 5.25% 5.406% $580.34
36 months 4.95% 5.154% $751.00
New Auto Loan 2017 (Based on $20,000 loan amount)
TermRateAPRMonthly Payment
60 months 5.95% 6.109% $387.67
48 months 5.65% 5.845% $468.28
36 months 5.35% 5.604% $604.86
Used Auto Loan 2016 (Based on $15,000 loan amount)
TermRateAPRMonthly Payment
60 months 6.25% 6.462% $293.22
48 months 5.95% 6.210% $353.72
36 months 5.65% 5.989% $456.25
Used Auto Loan 2015 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months 6.95% 7.268% $199.28
48 months 6.45% 6.839% $238.72
36 months 6.25% 6.757% $307.66
Used Auto Loan 2014 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months 7.75%  8.071% $203.10
48 months 7.45% 7.843% $243.39
36 months 7.25% 7.761% $312.26
Used Auto Loan 2013 or 2012 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
48 months 8.95% 9.348% $250.51
36 months 8.45% 8.965% $317.84
New Personal Recreation (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months  9.95% 10.279% $213.85
48 months  9.25% 9.649% $251.94
36 months 8.95% 9.467% $320.18
Used Personal Recreation (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
36 months 9.95% 10.471% $324.89

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.
Back to Top