Jumbo Home Loans

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

Dream Home - Bay Fed Jumbo Loans
Smiling young woman driving car

Take the Wheel and Save!

$100 Cash Back1 and No Payments for 90 Days2 when you refinance your auto loan from another lender.*

Discounted Rates for 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
  • Discounted Rates 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.


1Cash back offer of $100 will be paid as a deposit to a Bay Federal Credit Union savings account upon loan closing. All loans subject to credit approval with credit score (Experian FICO V9 Auto Score) of 580+ required.

2First payment deferred for 90 days. 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 Score) of 640+ required.  

* All auto loans require income verification and valid Social Security Number or ITIN per Bay Federal Credit Union lending requirements. Offers may be combined as long as (Experian FICO V9 Auto Score) is 640+. A discount of 0.25% off eligible rate will be applied for full Electric Vehicles and 0.25% off for enrollment in automatic payments at the time of funding. Hybrid vehicles are not eligible for rate reduction. Offers available on the finance of a 2012 or newer vehicle and valid for one vehicle loan. Minimum loan amount is $10,000 to be eligible for these offers. Maximum LTV up to 125%. Must have a valid driver’s license. Bay Federal Credit Union membership required at the time of closing. Loan must be funded now through October 31, 2022, in order to qualify for these offers. Refinances of current Bay Federal loans and purchase transactions are not eligible for these offers. These offers are 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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