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Autos* **
Rates Effective: May 1, 2021
Credit ScoreUp to 48 Mos.66 Mos.72 Mos.84 Mos.
730 +2.74%3.24%3.49%3.99%
700-7293.24%3.74%3.99%4.49%
680-6993.74%4.24%4.49%4.99%
660-6794.74%5.24%5.49%5.99%
640-6595.99%6.49%6.74%7.24%
620-6397.74%8.24%8.49%
600-6197.99%8.49%8.74%
580-59910.24%10.74%11.24%
No Score w/Cosigner5.99%6.49%6.74%7.24%

*Minimum Loan Amount: $5,000. Maximum Loan Amounts: New $65,000; Used $45,000. These APRs assume purchase 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 2.74% APR for 48 months would have monthly payments of $264.24. All vehicles must be titled and registered in the state of California in order to be eligible for financing.

**0.25% rate reduction for borrowers who enroll in Auto Pay at time of funding.
0.25% rate reduction for full Electric Vehicles. No rate reduction given for hybrid vehicles.
0
.25% rate reduction for Member Loyalty. Must have current mortgage loan with Bay Federal or an active checking account open prior to 4/1/2020.
Lowest rate available 2.24%.

Motorcycle Loans†
Rates Effective: May 1, 2021
Credit ScoreUp to 48 Mos.66 Mos.72 Mos.84 Mos.LTV
730+4.74%5.24%5.49%5.99%110%
700-7295.24%5.74%5.99%6.49%110%
680-6995.74%6.24%6.49%6.99%105%
660-6796.74%7.24%7.49%7.99%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 4.74% APR for 48 months would have monthly
payments of $274.96. All motorcycles must be street legal and titled and registered in the state of
California in order to be eligible for financing.

.25% rate reduction for borrowers who enroll in Auto Pay at time of funding
.25% rate reduction for Member Loyalty. Must have current mortgage loan with Bay Fed or an active
checking account open for a minimum of 4 months.
Lowest rate available 4.24%.

Recreational Vehicle Loan Rates††
Rates Effective: May 1, 2021
Credit Score84 Mos.144 Mos.LTV
700 +5.99%6.49%100%
660-6996.24%6.74%90%

†† Minimum Loan Amount: $5,000. Maximum Loan Amounts: New $100,000; Used $70,000. 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 5.99% APR for 84 months would have monthly
payments of $292.10.

.25% rate reduction for borrowers who enroll in Auto Pay at time of funding
.25% rate reduction for Member Loyalty. Must have current mortgage loan with Bay Fed or an active
checking account open for a minimum of 4 months.
Lowest rate available 5.49%

Savings Secured
Rates Effective: April 1, 2021
TermMax. LimitAPR
60 Month Max. No Credit score requiredAccount Balance3.99%
Signature Line of Credit
Rates Effective: May 1, 2021
TermMax. LimitAPR
Revolving Credit Score: 700 +$10,000Prime + 4.00%

VISA Credit Card Interest Rates and Interest Charges

Rates effective: March 16, 2020

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: May 1, 2021
Credit ScoreMax. LoanUp to 48 months
740+$50,0006.99%
700-739$30,0008.49%
660-699$10,0009.99%

*Minimum loan amount is $1,500.
*Loan Amounts over $30,000 are eligible for 60 month term at same rate.
Payment example: Loan amount of $5,000 at 7.25% APR for 48 months would have monthly payments of $120.33.

Certificate Secured
Rates Effective: May 1, 2021
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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