We Do Home Loans

Affordable options and rates for home loans. Get Preapproved!

Couple Standing in front of their new home
Autos* **
Rates Effective: September 1, 2017
Credit ScoreUp to 48 Mos.66 Mos.72 Mos.84 Mos.
730 +2.99%3.24%3.74%4.24%
700-7293.49%3.74%4.24%4.74%
680-6993.99%4.24%4.74%5.24%
660-6794.99%5.24%5.74%6.24%
640-6596.99%7.24%7.74%8.24%
620-6398.99%9.24%9.74%
600-6198.99%9.24%9.74%
580-59911.24%11.49%
No Score w/Cosigner6.99%7.24%7.74%8.24%

* Minimum Loan Amount: $5,000. Maximum Loan Amounts: New $60,000; Used $40,000. These APRs
assume purchase of a vehicle under 5 model 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 2.49% APR for 48 months would have monthly
payments of $262.92. 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

Unsecured Signature Loan*
Rates Effective: September 1, 2017
Credit ScoreMax. Loan24 Months48 Months
700 +$30,00011.00%12.00%
660-699$30,00012.00%12.25%

* Minimum loan amount is $1,500.

Payment example: Loan amount of $5,000 at 12.00% APR for 48 months would have monthly
payments of $131.27.

RV, Boat, and Motorcycle Loans*
Rates Effective: September 1, 2017
Security TypeMax. TermMax. LoanLTV
Motorcycle – New
Credit Score: 680+
60 Months$35,00080%
Motorcycle – Used
Credit Score: 680+
60 Months$25,00080%
Motorhome – New
Credit Score: 680+
144 Months**$100,00080%
Motorhome – Used
Credit Score: 680+
144 Months**$70,00080%
Vessel – New
Credit Score: 680+
144 Months**$75,00080%
Vessel – Used
Credit Score: 680+
144 Months**$50,00080%

*Age of vehicle cannot be older than 10 model years.
**Maximum term on purchases only. Refinance terms will differ.

RV, Boat, and Motorcycle Loan Rates*
Rates Effective: September 1, 2017
Credit ScoreRate
730 +6.49%
680-7296.74%

Payment example: Loan amount of $20,000 at 6.49% APR for 84 months would have monthly
payments of $296.86.
*0.25% rate reduction for borrowers who enroll in Auto Pay at time of funding.

Signature Line of Credit
Rates Effective: September 1, 2017
TermMax. LimitAPR
Revolving Credit Score: 700 +$10,000Prime + 4.00%

VISA Credit Card Interest Rates and Interest Charges

Rates effective: June 15, 2017

Annual Percentage Rate
(APR) for Purchases,
Balance Transfers and
Cash Advances.

Visa Gold: 10.99%
Visa Gold Plus: 12.99%
Visa Classic: 15.24%

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 None
Transaction Fees:
Cash Advances Either $2 or 2% of the amount of cash advance, whichever is greater.
International Transactions 2% of each foreign transaction, regardless of whether the transaction is in U.S. dollars or in a foreign currency.
Penalty Fees:  
Late Payment Up to $35.00
Returned Payment Up to $25.00

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.


Certificate Secured
Rates Effective: September 1, 2017
TermMax. LoanAPR
Due at Maturity No Credit score requiredAccount BalanceCertificate Rate 2.25%
Savings Secured
Rates Effective: September 1, 2017
TermMax. LimitAPR
60 Month Max. No Credit score requiredAccount Balance6.00%

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

Bicycle Loans*
Rates Effective: September 1, 2017
Credit ScoreMax. Loan36 Months
700+$5,0006.99%
660-699$5,0007.99%
* Minimum loan amount is $500.
Payment example: Loan amount of $5,000 at 6.99% APR for 36 months would have monthly
payments of $154.38.
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