Drive Down Your Rate

Lower your rate with Bay Federal’s refinance offer—0.50% discount now available!*

Refinance your auto loan from another lender with Bay Federal and enjoy a 0.50% discount on your best qualifying rate!*

Act fast! This offer will not last long. Refinance your auto loan from another financial institution now and secure a 0.50% discount with no payments for 90 days.

Drive into your future with confidence and financial ease. The clock is ticking—apply today!

When you get a loan with us, you get:

  • 0.50% auto loan refinance discount* — Lower your monthly payments and potentially save hundreds over the life of your loan!

  • 90 days of no payments* — Relax with no payments for the first 90 days after refinancing.

  • Great service from a local, trusted credit union — Our team is here to help you every step of the way!

Forest drive.

*0.50% promotional discount will be applied to best available rate that is qualified for. Promotional rate is available for auto loan refinances from other Financial Institutions, and is not eligible for purchase transactions or current Bay Federal auto loans. First payment deferred for 90 days. Interest will continue to accrue from date of loan disbursement and becomes due once payments begin. An additional discount of 0.25% off your eligible rate will be applied for full Electric Vehicles and 0.25% off for enrollment in automatic payments at the time of funding. No rate reduction given for hybrid vehicles. Offer available on the refinance of a 2014 or newer vehicle currently financed at another financial institution. Minimum loan amount is $5,000. All loans subject to credit approval with credit score (Experian FICO V9 Auto Score) of 640+, income verification, and valid Social Security Number or ITIN per Bay Federal Credit Union lending requirements. Maximum LTV up to 125%. Must have a valid driver’s license. Bay Federal Credit Union membership required at the time of closing. Loan must be funded between September 16, 2024 and October 31, 2024 in order to qualify for promotional discount. This offer is subject to change without notice. Other terms and conditions may apply. For more information, visit any Bay Federal Credit Union branch or call us at 831.479.6000 or toll-free at 888.4BAYFED.

Attention: You are leaving the Bay Federal Credit Union website

You will be redirected to a website outside of the Bay Federal Credit Union website and entering a website hosted by another party. The linked website is not operated by Bay Federal Credit Union. Bay Federal Credit Union is not responsible for the content or availability of the linked website. Bay Federal Credit Union does not represent the operator of the linked website, the member, or any other users if the two enter into a transaction. Privacy and Security Policies of the linked website may differ from those of Bay Federal Credit Union.