*Offer applicable to home purchase transactions in the state of California with a minimum loan amount of $250,000. Eligible Bay Federal Home Loans include 1 - 4 family, owner occupied, second home, and investment properties up to a maximum loan amount of $3,000,000. One free appraisal per transaction. Loan application must be dated October 1, 2019 to December 31, 2019 and funded no later than February 29, 2020. Terms and conditions are subject to change without notice. Bay Federal Credit Union Employees are not eligible. 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.