Loan Rates

Rates Effective May 19, 2012

1-4 family owner occupied properties. Homeowners insurance will be required. Flood insurance requirements may be applicable. 80% maximum loan to value.

Rate may vary based on the Prime Rate published in The Wall Street Journal. Minimum APR is 4.000%. Maximum APR is 18.000%. 20 year term - 10 year draw period/10 year repayment. Minimum line amount is $5,000.00. Maximum line amount is $250,000.00.

1-4 family owner-occupied properties. Homeowners insurance will be required. Flood insurance requirements may be applicable.

Minimum loan amount is $2,500.00. Maximum loan amount is $15,000.00.

Minimum loan amount is $2,000.00. Maximum loan amount is $25,000.00.

New Only model year 2011-2012. Used Only model year 2010 and newer for 60 months,
2008 and newer for 48 months, and 2006 and newer for 36 months.

Maximum loan amount $50,000 Maximum term is 180 months.

Rate may vary depending on the Prime Rate published in The Wall Street Journal. Minimum APR is 10.000%. Maximum APR is 18.000% Minimum line amount is $500.00 Maximum line amount is $5,000.00.

Minimum loan amount is $1,000.00. Maximum loan amount is $40,000.00. Maximum Term is 36 months.

APR is 3.00% over interest earned on BayCoast Bank Savings account. Monthly payment shown is interest only. Minimum loan amount is $1,000. Maximum loan amount is 90% of BayCoast Bank Savings Account balance. Maximum term is 60 months.


*Interest rates posted reflect a reduction of .25% for having the loan payment automatically deducted through a pre-authorized transfer from a BayCoast Bank checking or statement savings account. Loans without the automatic debit feature will receive an interest rate that is increased by .25%. For auto loans only, borrowers may obtain an additional .25% discount if the loan payment is automatically deducted from a Preferred NOW Checking Account.

APR refers to Annual Percentage Rate. All interest rates and APRs are accurate as of the date above and are subject to credit approval and may change without notice. IRA and Qualified Plan Accounts cannot be used as security for any type of loan.