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* First payment will be deferred for 90 days. A discount of .25% off your eligible rate will be applied when automatic payments are set up from your Bay Federal account(s). Offer available on the refinance of a 2012 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 $5,000. 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 August 31, 2017 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 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.