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* First payment will be deferred for 90 days. Offer available to applicants with a 640 or higher credit score (Experian FICO V2 Auto Score) on the refinance of a 2008 or newer vehicle currently financed at another financial institution. Refinances of current Bay Federal loans and purchase transactions are not eligible for this offer. Loan application must be received before April 30, 2017, in order to qualify for the deferred first payment. Interest will continue to accrue from date of loan disbursement and becomes due once payments begin. All loans are subject to credit approval and income verification per Bay Federal Credit Union lending requirements. Credit Union membership required. Minimum loan amount is $10,000. For more information, visit any Bay Federal Credit Union branch or call us at 831.479.6000 or 888.4BAYFED, option 3. Terms subject to change without notice. This offer may not be combined with any other offer. Other restrictions may apply.