2019 Scholarship

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Graduation Hat and Diploma
Autos* **
Rates Effective: January 2, 2019
Credit ScoreUp to 48 Mos.66 Mos.72 Mos.84 Mos.
730 +3.74%4.24%4.49%4.99%
700-7294.24%4.74%4.99%5.49%
680-6994.74%5.24%5.49%5.99%
660-6795.74%6.24%6.49%6.99%
640-6597.49%7.99%8.24%8.74%
620-6399.49%9.99%10.24%
600-6199.49%9.99%10.24%
580-59911.74%12.24%
No Score w/Cosigner7.49%7.99%8.24%8.74%

*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 3.74% APR for 48 months would have monthly payments of $269.53. 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.


RV and Motorcycle Loans*
Rates Effective: January 2, 2019
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%

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

RV and Motorcycle Loan Rates*
Rates Effective: January 2, 2019
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.

Savings Secured
Rates Effective: December 1, 2018
TermMax. LimitAPR
60 Month Max. No Credit score requiredAccount Balance6.00%
Signature Line of Credit
Rates Effective: December 1, 2018
TermMax. LimitAPR
Revolving Credit Score: 700 +$10,000Prime + 4.00%

VISA Credit Card Interest Rates and Interest Charges

Rates effective: December 20, 2018

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: January 2, 2019
Credit ScoreMax. LoanUp to 48 months
740+$50,0008.50%
700-739$30,00010.00%
660-699$10,00011.50%

*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 8.50% APR for 48 months would have monthly payments of $123.23.

Certificate Secured
Rates Effective: December 1, 2018
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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