Mortgage Rates

Mortgage Rates
ProgramRateAPRMinimum % Down PaymentMonthly PaymentAmortization
15 year Section 184 4.000% 4.570% 2.250% $1,109.53 15 years
30 year Section 184 4.250% 4.627% 2.250% $737.91 30 years
15 year fixed 3.500% 3.586% 5.000% $1,072.32 15 years
20 year fixed 3.875% 3.943% 5.000% $899.12 20 years
30 year fixed 4.250% 4.300% 5.000% $737.91 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.
  • 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 2017 (Based on $25,000 loan amount)
TermRateAPRMonthly Payment
72 months 5.95% 6.050% $414.91
60 months 5.55% 5.668% $479.47
48 months 5.25% 5.394% $580.21
36 months 4.95% 5.138% $750.82
New Auto Loan 2016 (Based on $20,000 loan amount)
TermRateAPRMonthly Payment
60 months 5.95% 6.099% $387.58
48 months 5.65% 5.832% $468.16
36 months 5.35% 5.587% $604.70
Used Auto Loan 2015 (Based on $15,000 loan amount)
TermRateAPRMonthly Payment
60 months 6.25% 6.451% $293.15
48 months 5.95% 6.196% $353.63
36 months 5.65% 5.970% $456.13
Used Auto Loan 2014 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months 6.95% 7.256% $199.22
48 months 6.45% 6.824% $238.65
36 months 6.25% 6.737% $307.57
Used Auto Loan 2013 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months 7.75%  8.057%  $203.04 
48 months 7.45% 7.825% $243.31
36 months 7.25% 7.737% $312.15
Used Auto Loan 2012 or 2011 (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
48 months 8.95% 9.327% $250.41
36 months 8.45% 8.938% $317.71
New Personal Recreation (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
60 months  9.95%  10.261% $213.76
48 months  9.25% 9.627%  $251.84
36 months 8.95% 9.438% $320.04
Used Personal Recreation (Based on $10,000 loan amount)
TermRateAPRMonthly Payment
36 months 9.95% 10.438% $324.73

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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