First-Time Homebuyers

Our new program features a 3% down payment and no closing costs!* Learn more

Family surrounded by moving boxes
Two friends enjoying a new car and drinks at the shore

Kick Back and Save
When You Refinance Your Auto Loan!*


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'll get:

  • 90 days of no payments
  • Cash-back
  • Competitive rates

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. Offer available on the refinance of a 2011 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 640+ and income verification 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 December 31, 2021 in order to qualify for this offer. 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.
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