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Autos
Visa Lines of Credit
Signature Line of Credit
Unsecured Signature Loans
Shared Secured
Certificate Secured
Secured Loan
Mortgage
Visa Cardholder Information
As of
March 16, 2010
| Autos |
Credit Level |
36 Months |
48 Months |
66 Months |
72 Months |
Premier Plus |
4.89
% |
5.39
% |
5.64
% |
5.89
% |
Premier |
5.19
% |
5.69
% |
5.94
% |
6.19
% |
Standard |
5.49
% |
5.99
% |
6.24
% |
6.49
% |
New Auto Loans up to 90% of MSRP. 72 month terms possible with financing of $15,000 or more. Used Auto Loans up to 90% of Retail Kelley Blue Book or purchase price, whichever is less. Age of vehicle cannot be older than 5 model years or greater than 80,000 miles.
Maximum Loan Amount is $60,000 for new autos and $40,000 for used autos.
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| Visa Lines of Credit |
Type |
Maximum Limit |
APR |
Gold Plus |
$30,000 |
Prime + 5.99
% with minimum of 11.99% |
Gold |
$30,000 |
Prime + 3.99
% with minimum of 9.99% |
Classic |
$5,000 |
Prime + 7.99
% with minimum of 12.99% |
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| Signature Line of Credit |
Term |
Maximum Limit |
APR |
Revolving |
$10,000 |
7.25
% |
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| Unsecured Signature Loan |
Credit Level |
24 Months |
48 Months |
Premier Plus |
11.00
% |
12.00
% |
Premier |
12.00
% |
12.25
% |
Maximum loan amount $30,000, minimum loan amount $500.00.
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| Savings Secured |
Term |
Maximum Loan |
APR |
Up To 60 Months |
Account Balance |
6.00
% |
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| Certificate Secured |
Term |
Maximum Loan |
APR |
Due At CD Maturity |
Account Balance |
CD Rate + 2.25
% |
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| Other Secured Loans |
Type |
Maximum Term |
Maximum Loan |
LTV |
Motorcycle—New |
66 months*
|
$35,000 |
75% |
Motorcycle—Used |
66 months |
$25,000 |
75% |
Motorhome—New |
144 months |
$100,000 |
75% |
Motorhome—Used |
144 months |
$70,000 |
75% |
Vessel— New |
144 months |
$75,000 |
75% |
Vessel—Used† |
144 months |
$50,000 |
75% |
* Up to 72 month term available with $15,000 or more financed.
† Marine survey or appraisal will be required. Loans up to 75% of purchase price or marine survey, whichever is less.
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| Other Secured Loan Rates |
Credit Level |
APR |
Premier Plus |
10.49
% |
Premier |
10.74
% |
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| Mortgage Loans |
For up-to-the-minute rate information, please contact our Mortgage Lending department at 831.479.6000 or view our mortgage loan products online. |
| Home Equity Line of Credit |
| Owner and Non–Owner Occupied First Mortgages |
| Owner–Occupied Second Mortgages |
| Fixed and Adjustable–Rate Loans |
| Mobile Home Loans |
All loans are subject to credit approval and income documentation. Rates are subject to change daily. Please call 831.479.6000 to obtain current rate information.
| APR — |
Annual Percentage Rate |
|
|
| LTV — |
Loan to Value |
|
|
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Contact Bay Federal: 831.479.6000
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