|
Autos
Visa Lines of Credit
Signature Line of Credit
Unsecured Signature Loans
Savings Secured
Certificate Secured
Other Secured Loans
Mortgage Loans
Visa Cardholder Information
As of
July 29, 2010
| Autos* |
 Credit Score
|
24 Months |
36 Months |
48 Months |
60 Months |
72 Months |
| |
APR |
APR |
APR |
APR |
APR |
730+ |
2.99
% |
3.49
% |
3.99
% |
4.49
% |
5.49
% |
700-729 |
3.79
% |
4.29
% |
4.79
% |
5.29
% |
6.29
% |
680-699 |
4.19
% |
4.69
% |
5.19
% |
5.69
% |
6.69
% |
660-679 |
5.19
% |
5.69
% |
6.19
% |
6.69
% |
7.69
% |
640-659 |
6.44
% |
6.94
% |
7.44
% |
7.94
% |
8.94
% |
*Maximum Loan Amounts: New $60,000; Used $40,000. These APRs assume a 20% down payment on the purchase of a vehicle under 5 model years. Your final APR may be higher depending upon the amount of your down payment and the age of the vehicle.
Payment example: Loan amount of $15,000 at 3.99% APR for 48 months would have monthly payments of $338.25.
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| VISA® Card Interest Rates and Interest Charges (as of
01/01/09 ) |
| Annual Percentage Rate (APR) for Purchases, Balance Transfers and Cash Advances. |
Visa Gold: 9.99%
Visa Gold Plus: 11.99%
Visa Classic: 12.99%
|
| |
These APRs will vary with the market based on the Prime Rate. |
|
| How to avoid paying interest for purchases |
Your due date is at least 21 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. |
|
| For Credit Card Tips from the Federal Reserve Board |
To learn more about factors to consider when applying for or using a credit card, visit the Federal Reserve Board website at www.federalreserve.gov/creditcard. |
| Fees |
| Annual Fee |
None |
|
Transaction Fees |
|
Cash Advance
|
Either 2% or $2.00 of the amount of cash advance, whichever is greater. |
International Transactions |
1.0% of each foreign transaction, regardless of whether the transaction is in U.S. dollars or in a foreign currency. |
|
| Penalty Fees |
|
Late Payment |
$25.00 |
Returned Payment |
$29.00 |
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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| Signature Line of Credit* |
Term |
Maximum Limit |
APR |
Revolving
Credit Score: 700+ |
$10,000* |
Prime + 4.00% |
*Minimum credit limit is $1,500.
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| Unsecured Signature Loan* |
Credit Score |
24 Months |
48 Months |
| |
APR |
APR |
700+ |
11.00
% |
12.00
% |
680-699 |
12.00
% |
12.25
% |
*Minimum loan amount is $1,500. Maximum loan amount is $30,000.
Payment example: Loan amount of $5,000 at 12.00% APR for 48 months would have monthly payments of $131.27.
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| Savings Secured |
Term |
Maximum Loan |
APR |
Up To 60 Months
No Credit Score required |
Account Balance |
6.00
% |
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| Certificate Secured |
Term |
Maximum Loan |
APR |
Due At Certificate Maturity
No Credit Score required |
Account Balance |
Certificate Rate + 2.25
% |
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| Other Secured Loans1 |
Security Type |
Maximum Term |
Maximum Loan |
LTV |
Motorcycle—New
Credit Score: 700+ |
60 months
|
$35,000 |
75% |
Motorcycle—Used
Credit Score: 700+ |
60 months |
$25,000 |
75% |
Motorhome—New
Credit Score: 700+ |
144 months2 |
$100,000 |
75% |
Motorhome—Used
Credit Score: 700+ |
144 months2 |
$70,000 |
75% |
Vessel— New
Credit Score: 700+ |
144 months2 |
$75,000 |
75% |
Vessel—Used
Credit Score: 700+ |
144 months2 |
$50,000 |
75% |
1Age of vehicle cannot be older than 5 model years.
2Maximum term on purchases only. Refinance terms will differ.
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| Other Secured Loan Rates |
Credit Score |
APR |
730+ |
10.49
% |
700-729 |
10.74
% |
Payment example: Loan amount of $10,000 at 10.49% APR for 60 months would have monthly payments of $214.18.
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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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