Jumbo Home Loans

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

Dream Home - Bay Fed Jumbo Loans
Autos*
Rates Effective: July 1, 2022
Credit ScoreUp to 48 Mos.66 Mos.72 Mos.84 Mos.
730 +3.49%3.74%3.99%4.49%
700-7293.74%4.24%4.49%4.99%
680-6994.24%4.74%4.99%5.49%
660-6795.24%5.74%5.99%6.49%
640-6595.99%6.49%6.74%7.24%
620-6397.74%8.24%8.49%
600-6197.99%8.49%8.74%
580-5999.49%9.99%10.24%
No Score w/Cosigner5.99%6.49%6.74%7.24%

*Minimum Loan Amount: $5,000. Maximum Loan Amounts: New $70,000; Used $50,000. 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.

Motorcycle Loans†
Rates Effective: July 1, 2022
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 5.99% APR for 48 months would have monthly
payments of $292.10.

Recreational Vehicle Loan Rates††
Rates Effective: July 1, 2022
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.

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: 2.24% Motorcycle: 4.49% Recreational Vehicle: 5.74%.

Savings Secured
Rates Effective: July 1, 2022
TermMax. LimitAPR
60 Month Max. No Credit score requiredAccount Balance3.99%
Signature Line of Credit
Rates Effective: July 1, 2022
TermMax. LimitAPR
Revolving Credit Score: 700 +$10,000Prime + 4.00%

VISA Credit Card Interest Rates and Interest Charges

Rates effective: June 17, 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: July 1, 2022
Credit ScoreMax. LoanUp to 60 months
740+$50,0005.99%
700-739$30,0007.49%
660-699$15,0008.99%
640-659$7,50010.49%

*Minimum loan amount is $1,500.
Payment example: Loan amount of $10,000 at 5.99% APR for 60 months would have monthly
payments of $193.26.

Certificate Secured
Rates Effective: July 1, 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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