Autos*
Rates Effective: November 15, 2022
| Credit Score | Up to 48 Mos. | 66 Mos. | 72 Mos. | 84 Mos. |
|---|
| 730+ | 4.99% | 5.24% | 5.49% | 5.99% |
| 700-729 | 5.24% | 5.74% | 5.99% | 6.49% |
| 680-699 | 5.74% | 6.24% | 6.49% | 6.99% |
| 660-679 | 6.24% | 6.74% | 6.99% | 7.49% |
| 640-659 | 6.99% | 7.49% | 7.74% | 8.24% |
| 620-639 | 8.74% | 9.24% | 9.49% | |
| 600-619 | 8.99% | 9.49% | 9.74% | |
| 580-599 | 10.49% | 10.99% | 11.24% | |
| No Score | 6.99% | 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 Score | Up to 48 Mos. | 66 Mos. | 72 Mos. | 84 Mos. | LTV |
|---|
| 730+ | 5.74% | 6.24% | 6.49% | 7.49% | 110% |
| 700-729 | 6.24% | 6.74% | 6.99% | 7.99% | 110% |
| 680-699 | 6.74% | 7.24% | 7.49% | 8.49% | 105% |
| 660-679 | 7.74% | 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 Score | 84 Mos. | 144 Mos. | LTV |
|---|
| 700 + | 6.74% | 7.24% | 100% |
| 660-699 | 6.99% | 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
| Term | Max. Limit | APR |
|---|
| 60 Month Max. No Credit score required | Account Balance | 3.99% |
Signature Line of Credit
Rates Effective: November 15, 2022
| Term | Max. Limit | APR |
|---|
| Revolving Credit Score: 700 + | $10,000 | Prime + 4.00% |
VISA Credit Card Interest Rates and Interest Charges
Rates effective: November 4, 2022
Annual Percentage Rate
(APR) for Purchases,
Balance Transfers and
Cash Advances. |
Visa Gold: 13.74%
Visa Gold Plus: 15.74%
Visa Signature: 16.74%
Visa Classic: 17.99%
These APRs will vary with the market based on the Prime Rate.
|
Paying Interest
|
Your due date is at least 21 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month |
For Credit Card Tips from
the Consumer Financial Protection Bureau |
To learn more about factors to consider when applying for or using a credit card, visit the website at the Consumer Financial Protection Bureau (www.consumerfinance.gov/learnmore). |
| Fees: |
| Annual Fee |
Visa Classic, Visa Gold, Visa Gold Plus: None
Visa Signature: $75 |
| Transaction Fees: |
| Cash Advances |
Either $2 or 2% of the amount of cash advance, whichever is greater. |
| International Transactions |
None. |
| Penalty Fees: |
|
| Late Payment |
Up to $39.00 |
| Returned Payment |
Up to $28.00 |
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 Score | Max. Loan | Up to 60 months |
|---|
| 740+ | $50,000 | 7.49% |
| 700-739 | $30,000 | 8.99% |
| 660-699 | $15,000 | 10.49% |
| 640-659 | $7,500 | 11.99% |
*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
| Term | Max. Loan | APR |
|---|
| Due at Maturity No Credit score required | Account Balance | Certificate 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