We Do Home Loans

Affordable options and rates for home loans. Get Preapproved!

Bay Federal Credit Union Does Home Loans
Autos* **
Rates Effective: April 1, 2018
Credit ScoreUp to 48 Mos.66 Mos.72 Mos.84 Mos.
730 +2.99%3.49%3.74%4.24%
700-7293.49%3.99%4.24%4.74%
680-6993.99%4.49%4.74%5.24%
660-6794.99%5.49%5.74%6.24%
640-6596.99%7.49%7.74%8.24%
620-6398.99%9.49%9.74%
600-6198.99%9.49%9.74%
580-59911.24%11.74%
No Score w/Cosigner6.99%7.49%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: April 1, 2018
TermMax. LimitAPR
Revolving Credit Score: 700 +$10,000Prime + 4.00%

VISA Credit Card Interest Rates and Interest Charges

Rates effective: March 23, 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.



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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