Jumbo Home Loans

Our Jumbo Loan rates have never been lower!* Learn more

Dream Home - Bay Fed Jumbo Loans
Woman and her Dog Charge Electric Car

Get Rolling This Spring!

With $100 Cash Back and No Payments for 90 Days when you refinance your auto loan from another lender.*

Additional Rate Discounts on Electric Vehicles!*


If you have an auto loan at another financial institution, you may be able to enjoy 90 days of no payments and $100 cash back when you refinance with Bay Federal Credit Union.*

When you refinance your auto loan with us you can get:

  • 90 days of no payments
  • Cash-back
  • Competitive rates
  • Rate discounts on electric vehicles

Apply for an Auto Loan today!


“BayFed makes banking simple. My first auto loan was quick, painless, and even fun – we bantered a lot with our loan officer while we filled out the paperwork. I knew we were getting the best interest rates.” -- Amelia from Santa Cruz.


*Cash back offer of $100 will be paid as a deposit to a Bay Federal Credit Union savings account upon loan closing. First payment deferred for 90 days. Interest will continue to accrue from date of loan disbursement and becomes due once payments begin. A discount of 0.25% off your eligible rate will be applied for full Electric Vehicles at the time of funding. No rate reduction given for hybrid vehicles. Offer available on the refinance of a 2012 or newer vehicle currently financed at another financial institution. Refinances of current Bay Federal loans and purchase transactions are not eligible for this offer. Minimum loan amount is $10,000. All loans subject to credit approval with credit score (Experian FICO V9 Auto Score) of 580+, income verification and valid Social Security Number or ITIN per Bay Federal Credit Union lending requirements. Must have a valid driver’s license. Bay Federal Credit Union membership required at the time of closing. Loan must be funded now through June 30, 2022 in order to qualify for this offer. 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, option 3.

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