|
Loan Rates |
| Deposit Rates |
 Loan
Rates |
| Banking |
| Lending |
| Calculators |
| Locations |
 ©1999-2006 Bay-Vanguard. All Rights Reserved. |
Loan Rates
Effective as of June 16 , 2008 (Rates quoted are for 20% down,
APR=Annual Percentage Rate, Maximum Loan $500,000)Purchase/Refinance
| Term | Interest Rate | Points | APR |
| 30 Yr | 6.250% | 0.000% | 6.293% |
| 6.000% | 1.000% | 6.135% | |
| 5.750% | 2.000% | 5.973% | |
| 20 Yr | 6.125% | 0.000% | 6.181% |
| 15/30* | 6.125% | 0.000% | 6.167% |
| 15 Yr | 5.875% | 0.000% | 5.944% |
| 7/23** | 5.625% | 0.000% | 5.664% |
*15 Year term, 30 Year amortization
**Annual Percentage Rate may change after 7 years
Jumbo Loans (greater than $500,000)
Term Interest Rate Points APR 30 Yr 7.125% 0.000% 7.174% 6.875% 1.000% 7.021%
| Term | Interest Rate | Points | APR |
| Construction Only 1 yr | 7.500% | 0.500% | 10.138% |
| Const/Perm 30 Yr | 6.625% | 0.000% | 6.698% |
| Const/Perm 20 Yr | 6.250% | 0.000% | 6.343% |
| Const/Perm 15 Yr | 6.125% | 0.000% | 6.239% |
Lot Loans
| Term | Interest Rate | Points | APR |
| 5 yr balloon, fixed rate (15 yr amortization) |
8.125% | 0.500% | 8.208% |
Home Equity
| Term | Interest Rate | Points | APR |
| Open End, Variable rate (Prime - 1/2%) | 5.500% | 0.000% | 5.500% |
| 15 Yr | 6.750% | 0.000% | 6.750% |
| 10 Yr | 6.500% | 0.000% | 6.500% |
| 5 Yr | 6.250% | 0.000% | 6.250% |
Auto Loans and Mobile Home Loans
Please call 410-477-5000 ext 33 for current rates.
