All Rates

Conforming - Fixed

Rates Effective: 06/09/2023
Product Rate Points APR Payments
30 YEAR FIXED 6.875% 0.000 6.998% $2,628
20 YEAR FIXED 6.875% 0.000 7.036% $3,071
15 YEAR FIXED 6.625% 0.000 6.824% $3,512
10 YEAR FIXED 6.375% 0.000 6.653% $4,517
Rates shown are for informational purposes only. Rate examples are based on a single-family detached property with a minimum credit score of 740, 60% loan-to-value (LTV), owner-occupied property located in California with a qualified borrower with a total loan amount of $400,000. Payment examples shown do not include taxes or insurance. Actual payments may be greater. Certain rate and/or point adjustments may apply depending on loan features, market adjustments, and borrower's credit. Maximum LTV will vary by product. All rates and points are subject to change without notice. No rate is guaranteed until there is a valid rate lock. Additional restrictions and conditions may apply.

Conforming - Adjustable

Rates Effective: 06/09/2023
Product Rate Points APR Payments
10/6MO ARM SOFR 6.500% 0.000 6.992%
Monthly Payments
Amount
Year 1
$2,528
Year 11
$3,777
7/6MO ARM SOFR 6.375% 0.000 7.088%
Monthly Payments
Amount
Year 1
$2,495
Year 8
$3,924
5/5 ARM SOFR 6.250% 0.000 7.186%
Monthly Payments
Amount
Year 1
$2,463
Year 6
$3,214
5/6MO ARM SOFR 6.250% 0.000 7.186%
Monthly Payments
Amount
Year 1
$2,463
Year 6
$3,214

Rates shown are for informational purposes only. Rate examples are based on a single-family detached property with a minimum credit score of 740, 60% loan-to-value (LTV), owner-occupied property located in California with a qualified borrower with a total loan amount of $400,000. Payment examples shown do not include taxes or insurance. Actual payments may be greater. Certain rate and/or point adjustments may apply depending on loan features, market adjustments, and borrower's credit. Maximum LTV will vary by product. All rates and points are subject to change without notice. No rate is guaranteed until there is a valid rate lock. Additional restrictions and conditions may apply.

5/6, 7/6 and 10/6 ARM rates are variable, may increase or decrease during the life of the loan, and are indexed to the 30-day Average Secured Overnight Financing Rate (SOFR) with a margin of 2.50%. ARM loans are amortized over a 30-year term. 5/6 ARMs are fixed for the first 5 years, subject to change every 6 months thereafter. 7/6 ARMs are fixed for the first 7 years, subject to change every 6 months thereafter. 10/6 ARMs are fixed for the first 10 years, subject to change every 6 months thereafter. 5/5 ARM rate is variable, may increase or decrease during the life of the loan, and is indexed to the 30-day Average SOFR with a margin of 2.50%. The 5/5 ARM loan is amortized over a 30-year term. The rate is fixed for the first 5 years, subject to change every 5 years thereafter.

Jumbo - Fixed

Rates Effective: 06/09/2023
Product Rate Points APR Payments
30 YEAR FIXED 6.250% 0.000 6.306% $6,157
15 YEAR FIXED 6.250% 0.000 6.343% $8,574
Rates shown are for informational purposes only. Rate examples are based on a single-family detached property with a minimum credit score of 740, 60% loan-to-value (LTV), owner-occupied property located in California with a qualified borrower with a total loan amount of $1,000,000. Payment examples shown do not include taxes or insurance. Actual payments may be greater. Certain rate and/or point adjustments may apply depending on loan features, market adjustments, and borrower's credit. Maximum LTV will vary by product. All rates and points are subject to change without notice. No rate is guaranteed until there is a valid rate lock. Additional restrictions and conditions may apply.

Jumbo - Adjustable

Rates Effective: 06/09/2023
Product Rate Points APR Payments
10/6MO ARM SOFR 6.125% 0.000 6.683%
Monthly Payments
Amount
Year 1
$6,076
Year 11
$9,190
7/6MO ARM SOFR 6.000% 0.000 6.832%
Monthly Payments
Amount
Year 1
$5,996
Year 8
$9,604
5/5 ARM SOFR 5.875% 0.000 6.974%
Monthly Payments
Amount
Year 1
$5,915
Year 6
$7,881
5/6MO ARM SOFR 5.875% 0.000 6.972%
Monthly Payments
Amount
Year 1
$5,915
Year 6
$7,879

Rates shown are for informational purposes only. Rate examples are based on a single-family detached property with a minimum credit score of 740, 60% loan-to-value (LTV), owner-occupied property located in California with a qualified borrower with a total loan amount of $1,000,000. Payment examples shown do not include taxes or insurance. Actual payments may be greater. Certain rate and/or point adjustments may apply depending on loan features, market adjustments, and borrower's credit. Maximum LTV will vary by product. All rates and points are subject to change without notice. No rate is guaranteed until there is a valid rate lock. Additional restrictions and conditions may apply.

5/6, 7/6 and 10/6 ARM rates are variable, may increase or decrease during the life of the loan, and are indexed to the 30-day Average Secured Overnight Financing Rate (SOFR) with a margin of 2.50%. ARM loans are amortized over a 30-year term. 5/6 ARMs are fixed for the first 5 years, subject to change every 6 months thereafter. 7/6 ARMs are fixed for the first 7 years, subject to change every 6 months thereafter. 10/6 ARMs are fixed for the first 10 years, subject to change every 6 months thereafter. 5/5 ARM rate is variable, may increase or decrease during the life of the loan, and is indexed to the 30-day Average SOFR with a margin of 2.50%. The 5/5 ARM loan is amortized over a 30-year term. The rate is fixed for the first 5 years, subject to change every 5 years thereafter.

Mobile - Fixed

Rates Effective: 06/09/2023
Product Rate Points APR Payments
20 YEAR FIXED COOP 7.875% 1.500 8.363% $2,486
15 YEAR FIXED COOP 7.625% 1.500 8.222% $2,802
10 YEAR FIXED COOP 7.375% 1.500 8.200% $3,542
20 YEAR FIXED LEASED LAND 8.875% 1.500 9.384% $2,675
15 YEAR FIXED LEASED LAND 8.625% 1.500 9.240% $2,976
10 YEAR FIXED LEASED LAND 8.375% 1.500 9.217% $3,700
Rates shown are for informational purposes only. Rate examples are based on a single-family detached property with a minimum credit score of 740, 60% loan-to-value (LTV), owner-occupied property located in California with a qualified borrower with a total loan amount of $300,000. Payment examples shown do not include taxes or insurance. Actual payments may be greater. Certain rate and/or point adjustments may apply depending on loan features, market adjustments, and borrower's credit. Maximum LTV will vary by product. All rates and points are subject to change without notice. No rate is guaranteed until there is a valid rate lock. Additional restrictions and conditions may apply.

Autos*

Rates Effective: 04/01/2023
Up to 48 months 66 months 72 months * 84 months **
730+ 6.49% 6.74% 6.99% 7.49%
700-729 6.74% 7.24% 7.49% 7.99%
680-699 7.24% 7.74% 7.99% 8.49%
660-679 7.74% 8.24% 8.49% 8.99%
640-659 8.49% 8.99% 9.24% 9.74%
620-639 10.24% 10.74% 10.99%
600-619 10.49% 10.99% 11.24%
580-599 11.99% 12.49% 12.74%
No Score 8.49% 8.99% 9.24% 9.74%
* Minimum Loan Amount: $5,000. Maximum Loan Amounts: New $70,000; Used $50,000. These APRs assume purchase of an auto under 5 calendar years. Your final APR may be higher depending upon the auto being financed. 72 month term is only available on financing of $15,000 or more. **84 month term is only available on financing of $20,000 or more.
Payment example: Loan amount of $12,000 at 5.99% APR for 48 months would have monthly payments of $281.69.

BayBusiness Plus Checking

Rates Effective: 05/15/2023
Rate APY*
$2,500 - 9,999 0.05% 0.05%
$10,000 - 24,999 0.05% 0.05%
$25,000 - 99,999 0.05% 0.05%
$100,000+ 0.05% 0.05%
Required minimum balance: $50 to open the account, and a $2,500 daily balance to earn dividends, $2,500 daily balance to avoid monthly $15 service charge.

Business Certificates

Rates Effective: 05/15/2023
Term Rate APY*
$1,000 - 9,999 3-Month Certificate 2.00% 2.02%
6-Month Certificate 2.50% 2.53%
1-Year Certificate 3.00% 3.05%
18-Month Certificate 3.25% 3.30%
2-Year Certificate 3.50% 3.56%
3-Year Certificate 3.75% 3.82%
4-Year Certificate 3.85% 3.92%
5-Year Certificate 3.95% 4.03%
$10,000+ 3-Month Certificate 2.00% 2.02%
6-Month Certificate 2.50% 2.53%
1-Year Certificate 3.00% 3.05%
18-Month Certificate 3.25% 3.30%
2-Year Certificate 3.50% 3.56%
3-Year Certificate 3.75% 3.82%
4-Year Certificate 3.85% 3.92%
5-Year Certificate 3.95% 4.03%

Business Money Market Accounts

Rates Effective: 05/15/2023
Rate APY*
$2,500 - 9,999 0.25% 0.25%
$10,000 - 24,999 0.75% 0.75%
$25,000 - 49,999 0.75% 0.75%
$50,000 - 74,999 1.00% 1.00%
$75,000+ 1.00% 1.00%
Required minimum balance: $1,500 to open the account, $2,500 daily balance to earn dividends, $1,500 daily balance to avoid monthly $10 service charge.

Business Savings Accounts

Rates Effective: 05/15/2023
Rate APY*
$100 - 2,499 0.10% 0.10%
$2,500 - 9,999 0.10% 0.10%
$10,000 - 24,999 0.10% 0.10%
$25,000+ 0.10% 0.10%
Required minimum balance: $5 to open the account, $100 daily balance to earn dividends, $100 daily balance to avoid monthly $5 service charge.

Business Titanium Savings Accounts

Rates Effective: 05/15/2023
Rate APY*
$100 - 24,999 0.75% 0.75%
$25,000 - 49,999 0.90% 0.90%
$50,000 - 99,999 1.00% 1.01%
$100,000 - 249,999 1.25% 1.26%
$250,000+ 1.50% 1.51%
Required minimum balance: $25,000 to open the account, $100 daily balance to earn dividends and to avoid the monthly $10.00 service charge.

Certificates and IRA Certificates

Rates Effective: 05/15/2023
Term Rate APY*
$1,000 - 9,999 3-Month Certificate 2.00% 2.02%
6-Month Certificate 2.50% 2.53%
1-Year Certificate 3.00% 3.05%
18-Month Certificate 3.25% 3.30%
2-Year Certificate 3.50% 3.56%
3-Year Certificate 3.75% 3.82%
4-Year Certificate 3.85% 3.92%
5-Year Certificate 3.95% 4.03%
$10,000+ 3-Month Certificate 2.00% 2.02%
6-Month Certificate 2.50% 2.53%
1-Year Certificate 3.00% 3.05%
18-Month Certificate 3.25% 3.30%
2-Year Certificate 3.50% 3.56%
3-Year Certificate 3.75% 3.82%
4-Year Certificate 3.85% 3.92%
5-Year Certificate 3.95% 4.03%
Certificate Accounts are also available as Individual Retirement Accounts.

Certified Secured

Rates Effective: 06/01/2023
Max. Loan APR
Due at CD Maturity Account Balance Certificate Rate + 2.25%

Individual Retirement Account

Rates Effective: 05/15/2023
Rate APY*
$100+ 0.10% 0.10%
Required minimum balance: $100 to open the account, $100 daily balance to earn dividends.

Interest Checking

Rates Effective: 05/15/2023
Rate APY*
$2,500 - 9,999 0.05% 0.05%
$10,000 - 24,999 0.05% 0.05%
$25,000 - 99,999 0.05% 0.05%
$100,000+ 0.05% 0.05%
Required minimum balance: $100 to open the account, $2,500 daily balance to earn dividends and to avoid monthly $15 service charge.

Money Market Accounts

Rates Effective: 05/15/2023
Rate APY*
$2,500 - 9,999 0.25% 0.25%
$10,000 - 24,999 0.75% 0.75%
$25,000 - 49,999 0.75% 0.75%
$50,000 - 74,999 1.00% 1.01%
$75,000+ 1.00% 1.01%
Required minimum balance: $1,500 to open the account, $2,500 daily balance to earn dividends, $1,500 daily balance to avoid monthly $10 service charge.

Motorcycle Loans

Rates Effective: 04/01/2023
Up to 48 months 66 months 72 months * 84 months ** Purchase & Refinance
730+ 7.24% 7.74% 7.99% 8.99% 110%
700-729 7.74% 8.24% 8.49% 9.49% 110%
680-699 8.24% 8.74% 8.99% 9.99% 105%
660-679 9.24% 9.74% 9.99% 10.99% 105%
Minimum Loan Amount: $5,000. Maximum Loan Amounts: $50,000. These APRs assume purchase or refinance of a vehicle under 5 calendar years. Your final APR may be higher depending upon the age of the vehicle. 72 month term is only available on financing of $15,000 or more. **84 month term is only available on financing of $20,000 or more.
Payment example: Loan amount of $12,000 at 7.24% APR for 48 months would have monthly payments of $288.70.

Personal Loans*

Rates Effective: 06/01/2023
Max. Loan Amount Up to 60 months
740+ $50,000 8.74%
700+739 $30,000 10.24%
660-699 $15,000 11.99%
640-659 $7,500 13.49%
* Minimum loan amount is $1,500.
Payment example: Loan amount of $10,000 at 8.74% APR for 60 months would have monthly payments of $206.37.

Recreational Vehicle Loan Rates††

Rates Effective: 04/01/2023
84 Mos. 144 Mos. Max LTV Cash Out LTV
700+ 8.24% 8.74% 100% 80%
660-699 8.49% 8.99% 90% 70%
†† Minimum Loan Amount: $5,000. Maximum Loan Amounts: New $200,000; Used $150,000. These APRs assume purchase or refinance of a vehicle under 10 calendar years. Your final APR may be higher depending upon the age of the vehicle.
Payment example: Loan amount of $20,000 at 8.24% APR for 84 months would have monthly payments of $314.12.

Savings Accounts

Rates Effective: 05/15/2023
Rate APY*
$100 - 2,499 0.10% 0.10%
$2,500 - 9,999 0.10% 0.10%
$10,000 - 24,999 0.10% 0.10%
$25,000+ 0.10% 0.10%
Required minimum balance: $5 to open the account, $100 daily balance to earn dividends. To avoid monthly $5 service charge, refer to our current Consumer Fee-Schedule.

Saving Secured

Rates Effective: 06/01/2023
Max. Limit APR
60 months Account Balance 4.49%

Signature Line of Credit

Rates Effective: 06/01/2023
Max Limit APR
Revolving - Credit Score: 700+ $10,000 WSJ Prime + 4.00%

Titanium Savings Accounts

Rates Effective: 05/15/2023
Rate APY*
$100 - 25,000 0.75% 0.75%
$25,000 - 50,000 0.90% 0.90%
$50,000 - 100,000 1.00% 1.01%
$100,000 - 250,000 1.25% 1.26%
$250,000+ 1.50% 1.51%
Required minimum balance: $25,000 to open the account, $100 daily balance to earn dividends, and $300 to avoid the monthly $10 service charge.

VISA Credit Card Interest Rates and Interest Charges

Rates Effective: 05/05/2023

Balance Computation Method: Average daily balance including new purchases.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

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