Jumbo Home Loans

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

Dream Home - Bay Fed Jumbo Loans
Autos*
Rates Effective: November 15, 2022
Credit ScoreUp to 48 Mos.66 Mos.72 Mos.84 Mos.
730+4.99%5.24%5.49%5.99%
700-7295.24%5.74%5.99%6.49%
680-6995.74%6.24%6.49%6.99%
660-6796.24%6.74%6.99%7.49%
640-6596.99%7.49%7.74%8.24%
620-6398.74%9.24%9.49%
600-6198.99%9.49%9.74%
580-59910.49%10.99%11.24%
No Score6.99%7.49%7.74%8.24%

*Minimum Loan Amount: $5,000. Maximum Loan Amounts: New $70,000; Used $50,000. These
APRs assume purchase of an auto under 5 calendar years. Your final APR may be higher
depending upon the auto being financed. 72 month term is only available on financing of $15,000
or more. 84 month term is only available on financing of $20,000 or more.
Payment example: Loan amount of $12,000 at 4.99% APR for 48 months would have monthly
payments of $276.28.

Motorcycle Loans†
Rates Effective: November 15, 2022
Credit ScoreUp to 48 Mos.66 Mos.72 Mos.84 Mos.LTV
730+5.74%6.24%6.49%7.49%110%
700-7296.24%6.74%6.99%7.99%110%
680-6996.74%7.24%7.49%8.49%105%
660-6797.74%8.24%8.49%9.49%105%

Minimum Loan Amount: $5,000. Maximum Loan Amounts: $50,000. These APRs assume purchase
or refinance of a vehicle under 5 calendar years. Your final APR may be higher depending upon the
age of the vehicle. 72 month term is only available on financing of $15,000 or more. 84 month term is
only available on financing of $20,000 or more.
Payment example: Loan amount of $12,000 at 5.74% APR for 48 months would have monthly
payments of $280.37.

Recreational Vehicle Loan Rates††
Rates Effective: November 15, 2022
Credit Score84 Mos.144 Mos.LTV
700 +6.74%7.24%100%
660-6996.99%7.49%90%

††Minimum Loan Amount: $5,000. Maximum Loan Amounts: New $200,000; Used $150,000. These
APRs assume purchase or refinance of a vehicle under 10 calendar years. Your final APR may be
higher depending upon the age of the vehicle.
Payment example: Loan amount of $20,000 at 6.74% APR for 84 months would have monthly
payments of $299.29.

All Auto, Recreational Vehicle, and Motorcycle Loans:
All vehicles must be titled and registered in the state of California to be eligible for financing. .25% rate reduction for borrowers who enroll in Auto Pay at time of funding.

Auto Loans Only:
.25% rate reduction for full Electric Vehicles. No rate reduction given for hybrid vehicles.

Lowest rate available:
Auto: 4.49% Motorcycle: 5.24% Recreational Vehicle: 6.24%.

Savings Secured
Rates Effective: November 15, 2022
TermMax. LimitAPR
60 Month Max. No Credit score requiredAccount Balance3.99%
Signature Line of Credit
Rates Effective: November 15, 2022
TermMax. LimitAPR
Revolving Credit Score: 700 +$10,000Prime + 4.00%

VISA Credit Card Interest Rates and Interest Charges

Rates effective: November 4, 2022

Balance Computation Method: Average daily balance including new purchases.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.















Personal Loans*
Rates Effective: November 15, 2022
Credit ScoreMax. LoanUp to 60 months
740+$50,0007.49%
700-739$30,0008.99%
660-699$15,00010.49%
640-659$7,50011.99%

*Minimum loan amount is $1,500.
Payment example: Loan amount of $10,000 at 7.49% APR for 60 months would have monthly
payments of $200.34.

Certificate Secured
Rates Effective: November 15, 2022
TermMax. LoanAPR
Due at Maturity No Credit score requiredAccount BalanceCertificate Rate + 2.25%

Rates are subject to change daily. To obtain current rate information, please call us at 831.479.6000 or toll-free at 888.4BAYFED, or visit our website at www.bayfed.com.

All loans are subject to credit approval and income documentation.
APR= Annual Percentage Rate LTV= Loan to Value

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