*Offer available on home purchases and refinances from another financial institution. $500 VISA gift card will be provided within 7 business days after the close of escrow. Available on owner occupied, second home and investment property first mortgages only. All loans subject to approval of credit, income verification and property valuation. Minimum loan amount of $250,000 required. Loan application must be dated on or after April 1, 2019 and loan funded no later than July 31, 2019. Bay Federal Credit Union membership required at the time of closing. Refinances of current Bay Federal loans are not eligible for this offer. Cannot be combined with any other offer. For more information, visit any Bay Federal Credit Union branch or call a Bay Federal Home Loan Consultant at 831.479.6000 or toll-free at 888.4BAYFED, ext. 304.