* Offer applicable to refinances, home purchase transactions, second mortgages, and Home Equity Lines of Credit (HELOCs) in the state of California. Eligible Bay Federal Home Loans include 1 - 4 family, owner occupied, second home, and investment properties up to a maximum loan amount of $1,500,000. With the exception of HELOCs, loan must be locked prior to order. One free appraisal per transaction and cannot be combined with other offers. Loan application must be dated after September 1, 2018 and funded no later than January 31, 2019. Terms and conditions are subject to change without notice. All loans are subject to credit approval. Bay Federal Credit Union membership required at the time of closing. 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, extension 304.