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*Annual Percentage Rate (APR). Based on approval of credit with credit score (FICO V2) of 730+, up to a 48-month term on the refinance of a 2010 or newer vehicle currently financed at another financial institution; payment per $1,000 is $21.70. Refinances of current Bay Federal loans and purchase transactions are not eligible for this offer. Loan must be funded now through August 31, 2014. Other rates and terms are available and are subject to change without notice. All loans are subject to credit approval and income verification per Bay Federal Credit Union loan requirements. Your actual APR may vary based on your credit history along with the age and mileage of vehicle financed. Credit Union membership required. Minimum loan amount is $5,000.00. Maximum loan is 120% of the Manufacturer’s Suggested Retail Price or Kelley Blue Book Suggested Retail Value plus GAP and extended warranty. For complete information, visit www.bayfed.com or any Bay Federal Credit Union branch. Terms subject to change without notice.