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New Autos
Used 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 19, 2008
| New Autos |
Credit Level |
36 Months |
48 Months |
60 Months |
72 Months |
84 Months |
Premier Plus |
5.99
% |
5.99
% |
6.25
% |
6.50
% |
7.49
% |
Premier |
6.25
% |
6.25
% |
6.50
% |
6.99
% |
8.24
% |
Standard |
6.99
% |
6.99
% |
7.49
% |
7.99
% |
9.99
% |
Credit Builder |
8.99
%-
16.99
% |
8.99
%-
16.99
% |
9.99
%-
16.99
% |
10.25
%-
13.24
% |
N/A |
Loans up to 100% of purchase price or 100% of Retail (High) Kelley Blue Book, including tax and license. 72-84 month terms possible with financing $20,000 or more and those with a credit level of Standard, Premier, or Premier Plus. Credit Builder Level Borrowers may be required to provide a larger down payment.
| Used Autos |
Credit Level |
36 Months |
48 Months |
60 Months |
72 Months |
84 Months |
Premier Plus |
5.99
% |
5.99
% |
6.25
% |
6.50
% |
8.99
% |
Premier |
6.75
% |
6.75
% |
6.75
% |
6.99
% |
9.49
% |
Standard |
7.50
% |
7.50
% |
7.99
% |
8.49
% |
10.49
% |
Credit Builder |
10.24
%-
17.24
% |
10.24
%-
17.24
% |
10.49
%-
17.49
% |
10.49
%-
14.74
% |
N/A |
Loans up to 100% of Retail (High) Kelley Blue Book, upon approved credit. Credit Builder Level borrowers may be required to provide a larger down payment.
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| Visa Lines of Credit |
Type |
Maximum Limit |
APR |
Gold Plus |
$20,000 |
Prime + 2.70
% |
Gold |
$20,000 |
Prime + 2.70
% |
Classic (Secured or Unsecured) |
$5,000 |
Prime + 7.10
% |
Student |
$500 |
Prime + 9.20
% |
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| Signature Line of Credit |
Term |
Maximum Limit |
APR |
Revolving |
$10,000 |
Prime + 4
% |
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| Unsecured Signature Loan |
Credit Level |
24 Months |
48 Months |
Premier Plus |
9.50
% |
10.50
% |
Premier |
10.50
% |
10.75
% |
Standard |
13.50
% |
14.50
% |
Credit Builder |
14.50-18.00
% |
15.50-18.00
% |
Maximum loan amount $25,000, 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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| Miscellaneous Secured and Personal Loans |
Type |
Maximum Term |
Maximum Loan |
LTV** |
Motorcycle—New '04
and Newer |
60 months*
|
$35,000 |
100% |
Motorcycle—Used '03
and Older |
48 months |
$15,000 |
75% |
Motorhome—New |
240 months |
$75,000 |
90% |
Motorhome—Used |
180 months |
$50,000 |
80% |
Vessel— New |
240 months |
$75,000 |
80% |
Vessel—Used |
144 months |
$50,000 |
80% |
* Up to 72 month term available with $20,000 or more financed
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| Miscellaneous Secured Loan Rates |
Credit Level |
APR |
Premier Plus |
8.99
% |
Premier |
9.24
% |
Standard |
10.99
% |
Credit Builder |
13.24
%—18.00
% |
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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 |
| No Equity–Home Equity Line of Credit |
| Owner and Non–Owner Occupied First Mortgages |
| Owner–Occupied Second Mortgages |
| Fixed and Adjustable–Rate Loans |
| Mobile Home Loans |
| Mobile Home Equity Lines of Credit |
Rates are subject to change daily. Please call 831.479.6000 to obtain current rate information.
| APR — |
Annual Percentage Rate |
** |
Excluding Tax & License |
| LTV — |
Loan to Value |
*** |
Consult Your Tax Advisor |
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Contact Bay Federal: 831.479.6000
|
