4.75% APR* Auto Rates
Tiny Rates Equal
More for Less

Our new lower interest rates mean lower monthly payments and lower total interest costs. However, the low promotional interest rates and/or rebates offered by many dealer finance companies and other lenders should lead you to question the true savings before you sign on the dotted line.

• How long is the rate good for -- some 0% and low rates are good for shorter loan terms, i.e. 48 months instead of 72.
• Do I have to have A+ credit to receive the low financing? What will my rate be?
• What exactly am I giving up to take the rebate -- my ability to negotiate the price of the vehicle, for instance?

Why not use Credit Union discounts instead of or along with valid rebate incentives? You may save even more!

How do Credit Union discounts work?

There are three available 0.5% discounts: Automatic Payment (Auto-Pay) available on Signature and Overdraft Loans, plus Double Savings and Maximum Equity available on vehicle and boat loans, giving you a total of 1.5% when you take advantage of all three discounts.

They are simple, easy to initiate and will save you time and money! Here's how they work:

• Auto-Pay -- Have your payment made automatically from your payroll, checking, savings or other financial institution.
• Double Savings -- A special savings account for members who establish an automatic electronic savings deposit of $30 or more monthly. This account has limited withdrawals during the repayment period of the loan and is intended to help you save for that unexpected auto repair or other unforeseen "life happening".
• Maximum Equity -- To qualify for the 0.5% Maximum Equity discount, the purchase price on your vehicle must be no more than 80% of the Manufacture's Suggested Retail Price (MSRP) or High Kelley Blue Book, whichever applies. You can achieve this by making a cash down payment, trade in or by negotiating the price (or a combination of them).
  • Minimum Equity -- Don't qualify for the Maximum Equity discount? Then you may qualify for a 0.25% Minimum Equity discount if the purchase price is no more than 81%-95% of the MSRP or Kelley High Blue Book.

Get Pre-Approved Today!

It's best to get pre-approved during the same calendar month you are planning to purchase, or refinance your vehicle. By getting pre-approved you'll know exactly what your payment is per pay day as well as how much you can afford to spend before you go shopping. Being pre-approved is also a great negotiation tool at the dealership. We will even arm you with a Pre-Approval Certificate to take with you.

Worried that your credit score will keep you from getting a car loan and away from the car of your dreams? At Bay Cities you may be approved for a loan even if you have less than perfect credit. While poor credit loans have relatively higher APRs than other loans, they can get you behind the wheel of a car and help you get back on your feet. And when you enroll in our ScoreBuilder Program, we will do everything we can to help you improve your credit score including lowering your rate as your credit score improves.

*APR = Annual Percentage Rate. Your rate is based on your credit score, loan profile and available Credit Union discounts.