Jumbo Home Loans

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

Dream Home - Bay Fed Jumbo Loans

Auto Purchase or Refi - Cash To Spare

Happy Family Driving

Cash To Spare With 90 Days of No Payments!*

Purchase or refinance an auto loan with us to save!

Electric Vehicle Discount!*


Enjoy 90 days of no payments when you purchase or refinance your auto loan with Bay Federal Credit Union.

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

  • Low, competitive rates, which means savings on interest
  • Low monthly payments
  • Great service from a local, trusted credit union

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.


*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 and 0.25% off for enrollment in automatic payments at the time of funding. No rate reduction given for hybrid vehicles. Offer available on the finance of a 2012 or newer vehicle, and the refinance of a 2012 or newer vehicle currently financed at another financial institution. Refinances of current Bay Federal loans are not eligible for this offer. Minimum loan amount is $5,000. All loans subject to credit approval with credit score (Experian FICO V9 Auto Score) of 640+, income verification and valid Social Security Number or ITIN per Bay Federal Credit Union lending requirements. 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 January 31, 2023 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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