* First payment will be deferred for up to 90 days. A discount of .25% off your eligible rate will be applied with enrollment in Pre-Authorized Loan Payment/ACH Transfer at the time of funding. Offer available on the refinance of a 2009 or newer vehicle currently financed at another financial institution. Refinances of current Bay Federal loans or purchase transactions are not eligible for this offer. Minimum loan amount is $10,000. Maximum cash out up to 90% of vehicle value, dependent upon credit score. Cash out will be deposited to the membership savings account. Loan must be funded now through September 30, 2019 in order to qualify for this offer. Interest will continue to accrue from date of loan disbursement and becomes due once payments begin. All loans subject to credit approval with credit score (Experian FICO V9 Auto) of 640+ and income verification per Bay Federal Credit Union lending requirements. Bay Federal Credit Union membership required at the time of closing. This offer is subject to change without notice. For more information, visit any Bay Federal Credit Union branch or call us at 831.479.6000 or toll-free at 888.4BAYFED, option 3.