Auto Loans
Maybe it's time to go green! Or perhaps a Motorcycle or Bicycle loan can help ease of the high cost of gas. Either way our low interest rates for new and used auto loans will put you in the driver's seat with affordable payments.
Loan Type | Financing | Terms | *APR |
New Auto | Up to 125% of Kelley Blue Book, including tax & license | Up to 84 months | As low as 5.59% |
Used Auto | Up to 125% of Kelley Blue Book, including tax & license | Up to 84 months | As low as 5.59% |
Basic Transportation Car | Up to 125% of Kelley Blue Book, including tax & license (must be purchased from a dealership) | Up to 66 months | As low as 4.00% |
Older Cars (2017 or older) | Up to 125% of Kelley Blue Book, including tax & license | Up to 60 months | As low as 7.00% |
Loan Discounts | You can lower your rates on applicable loans up to 1.00% with the following discounts:
Auto Pay 0.50%: A regularly scheduled electronic payment such as payroll deduction, transfer from your Bay Cities checking or savings, or debit from a checking account at another financial institution.
Gas Saver 0.50%: Purchase of a new or used vehicle with an EPA mileage rating of 30 miles to the gallon highway or more, as established by www.fueleconomy.gov, or an electric vehicle. |
*APR = Annual Percentage Rate. Rates are based on your credit profile.
Rates above include available discounts. Rates and terms are subject to change without notice. A down payment may be required based on your overall credit worthiness.
We've partnered with the following dealerships to help make car buying simpler.
Enterprise Car Sales | Purchase a used car through Enterprise and eliminate the haggling and hassles often associated with dealerships.
Cars purchased through Enterprise receive a 1% annual percentage rate discount. | Location:
575 Marina Blvd
San Leandro, CA 94577
(510) 297-0500
Preview their great selection of quality used autos at Enterprise |
CarFax | Reduce your risk when buying a used car by running a "background check" through CarFax. Free to you if you finance your car through us. |
Kelley Blue Book | Know what it's worth before you make the investment. Kelley Blue Book is the most accepted and trusted vehicle pricing guide in the industry. Contact us to provide you with the Kelley Blue Book value of the car you've had your eye on. |
Here's a list of insurance services offered through various partners that will give you financial protection, peace of mind and possibly some cost savings.
Debt Protection | Debt Protection may cancel your loan balance or payments in case of involuntary unemployment, disability or death (Life Plus). Our Life Plus protection covers a range of circumstances which include accidental dismemberment, terminal illness, hospitalization or family medical leave and death of a non-protected dependent. |
Automobile Protection Plan | Before purchasing an Automobile Protection Plan or Mechanical Breakdown Insurance from the dealer, check with us for our best rate and terms available. |
Guaranty Auto Protection (GAP) | GAP insurance pays your remaining loan balance if your car is totaled and your insurance company doesn’t pay your balance in full. |
Auto Insurance | You may be able to save money on car insurance. Call
1-888-380-9287 or visit them online for your free quote. |
The Products offered:
Are not federally insured
Are not obligations of the Credit Union
Are not guaranteed by the Credit Union
Involve investment risk
If applicable, are being offered by a dual employee who accepts deposits on behalf of the Credit Union and also sells non-deposit investment products on behalf of a third-party broker
Motorcycle, Recreational Vehicle & Boat Loans
Financing any of the below loans with Bay Cities is simple. We offer excellent service and competitive rates.
Loan Type | Financing | Term | *APR |
Motorcycles | Up to 115% of purchase price or appraised value, whichever is lower, plus tax, license, and registration | Up to 72 months | As low as
5.50% |
RVs, Motor Homes, 5th Wheels, Trailers & Tent Trailers | Up to 100% of purchase price or appraised value, whichever is lower, plus tax, license and registration | Up to 84 months | As low as
7.25% |
Boats | Up to 100% of purchase price or appraised value, whichever is lower, plus tax, license and registration | Up to 84 months | As low as
7.25% |
All-Terrain Vehicles, Jet Skis, Motor Scooters, Off Road Motorcycles and Snowmobiles | Up to 100% of purchase price or appraised value, whichever is lower, plus tax, license and registration | Up to 48 months | As low as
7.25% |
Loan Discounts | You can lower your rate up to 0.50% by having your payment directly sent to us from your paycheck, or another financial institution or transferred from your Bay Cities checking or savings.
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*APR = Annual Percentage Rate. Rates are based on your credit profile.
Rates above include available discounts. Rates and terms are subject to change without notice. A 1.50% surcharge is added to base rates on cars exceeding 100,000 miles. A down payment may be required based on your overall credit worthiness.
Here's a list of insurance services offered through various partners that will give you financial protection, peace of mind and possibly some cost savings.
Debt Protection | Debt Protection may cancel your loan balance or payments in case of involuntary unemployment, disability or death (Life Plus). Our Life Plus protection covers a range of circumstances which include accidental dismemberment, terminal illness, hospitalization or family medical leave and death of a non-protected dependent. |
Guaranty Auto Protection (GAP) | GAP insurance pays your remaining loan balance if your car is totaled and your insurance company doesn’t pay your balance in full. |
Auto Insurance | You may be able to save money on car insurance. Call
1-888-380-9287 or visit them online for your free quote. |
The Products offered:
Are not federally insured
Are not obligations of the Credit Union
Are not guaranteed by the Credit Union
Involve investment risk
If applicable, are being offered by a dual employee who accepts deposits on behalf of the Credit Union and also sells non-deposit investment products on behalf of a third-party broker
VISA Credit Cards
Get the convenience with a Bay Cities VISA® Credit Card
- Simplify your everyday purchases
- Get the flexibility to pay over time
- Enjoy enhanced security and protection
- Track your purchases online
If you already have a Bay Cities VISA® Credit Card you may be in need for more spending power to help you through the holidays. Perhaps we can help by increasing your credit limit.
- Low annual percentage rates
- Non-variable rates on all our VISA® cards
- No annual fee on Platinum, Gold & Classic VISA® cards
- No over limit fees
- No penalty rates for late or missed payments
- 25 day grace period
- Zero liability for lost or stolen cards
- Emergency card replacement within 24 hours in the United States
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| Platnium | Gold | Classic | Standard |
Annual Percentage Rates for Purchases | 9.5% | 10.5% | 14.5% | 17.75% |
Annual Percentage Rates for Cash Advances | 10.5% | 11.5% | 15.5% | 18.75% |
Penalty Annual Percentage Rate | None | None | None | None |
Minimum Interest Charge | There is no minimum interest charge | | | |
Annual Fee | None | None | None | $20 |
Transaction Fees
Balance Transfer
Cash Advance
Foreign Transaction |
None
None
None |
None
None
None |
None
Greater of 1.5% of amount or $2
1% of each foreign currency transaction in U.S. dollars
0.80% of each U.S. dollar transaction that occurs in a foreign country
|
None
Greater of 1.5% of amount or $2
1% of each foreign currency transaction in U.S. dollars
0.80% of each U.S. dollar transaction that occurs in a foreign country
|
Penalty Fees
Late Payment
Over the Credit Litmit
Returned Payment | $15 when the payment is 15 or more days late
None
$25 | $15 when the payment is 15 or more days late
None
$25 | $15 when the payment is 15 or more days late
None
$25 | $15 when the payment is 15 or more days late
None
$25 |
How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. |
Protect yourself and your valuable credit by signing up for the free by VISAVerified by VISA® service. This protection may be required for many of your online VISA® purchases.  |
Home Equity Loans
Home Equity loans are secured by a second deed of trust; the amount you can borrow is based on the amount of equity you have in your home. We have two equity programs to choose from.
An adjustable rate credit line secured by your home that offers;
- No points or annual fees,
- Unique, Designed for Members ™ rate-change program, and
- Possible tax savings. Consult your tax advisor regarding the deductibility of interest.
Loan Type | Financing | Terms | *APR |
Prime Equity Line of Credit | Up to 80% loan to value, or $200,000 whichever is less | Draw period 10 years
Repayment period up to 15 years | As low as 7.50% |
The traditional fixed equity loan offers;
- No points,
- Choice of 7, 10 or 15 year terms,
- A fixed rate throughout the life of your loan,
- Possible tax savings. Consult your tax advisor regarding the deductibility of interest.
Loan Type | Financing | Terms | *APR |
Fixed Equity Home Loan | Up to 80% loan to value, or $200,000 whichever is less | 5, 7, 10, or 15 years available | As low as 5.75% |
*APR = Annual Percentage Rate. Rates are based on your credit profile. Rates and Terms are subject to change without notice.
Personal Loans

Our Personal or Line of Credit Loans may be used for many purposes, including, taxes, vacation and travel, bill consolidation or for unexpected expenses.
For first time borrowers or those with less than perfect credit our Preferred Personal Loan is the way to go. In fact it can actually help your credit score! Budgeting your spending with a Preferred Personal Loan keeps you in control of your monthly payments leaving you with peace of mind!
Our Credit Rebuilder Loan is a great way to repair damaged credit, or make your first loan from $500 to $5000 using your savings account as collateral. The good news - your loan rate can decrease as your credit score improves!
Loan Type | Maximum Amount | Terms | *APR |
Personal / Personal Line of Credit | $35,000 | Up to 72 months | As low as 9.50% |
Preferred Personal | $5,000 | Up to 36 months | As low as 11.50% |
Credit Rebuilder | $5,000 | Up to 12 months | As low as 11.50% |
Overdraft Protection | $35,000 | Up to 12 months | As low as 9.50% |
Share & Certificate Secured | Amount of Deposit | Share Secured
Up to 5 years
More than 5 years
Certificate Secured
Term of CD |
3% above Share rate
4% above Share rate
7.50% Minimum Rate |
Loan Discounts | You can lower your rates on applicable loans up to 0.50% with the following discounts:
Auto Pay 0.50%: A regularly scheduled electronic payment such as payroll deduction, transfer from your Bay Cities checking or savings, or debit from a checking account at another financial institution.
|
*APR - Annual Percentage Rate. Rates are based on your credit profile.
Rates above include available discounts. Rates are subject to change.
Debt Protection | Debt Protection may cancel your loan balance or payments in case of involuntary unemployment, disability or death (Life Plus). Our Life Plus protection covers a range of circumstances which include accidental dismemberment, terminal illness, hospitalization or family medical leave and death of a non-protected dependent. |
The Products offered:
Are not federally insured
Are not obligations of the Credit Union
Are not guaranteed by the Credit Union
Involve investment risk
If applicable, are being offered by a dual employee who accepts deposits on behalf of the Credit Union and also sells non-deposit investment products on behalf of a third-party broker
Share Secured Loans

Our Personal or Line of Credit Loans may be used for many purposes, including, taxes, vacation and travel, bill consolidation or for unexpected expenses.
For first time borrowers or those with less than perfect credit our Preferred Personal Loan is the way to go. In fact it can actually help your credit score! Budgeting your spending with a Preferred Personal Loan keeps you in control of your monthly payments leaving you with peace of mind!
Our Credit Rebuilder Loan is a great way to repair damaged credit, or make your first loan from $500 to $5000 using your savings account as collateral. The good news - your loan rate can decrease as your credit score improves!
Loan Type | Maximum Amount | Terms | *APR |
Personal / Personal Line of Credit | $35,000 | Up to 72 months | As low as 9.50% |
Preferred Personal | $5,000 | Up to 36 months | As low as 11.50% |
Credit Rebuilder | $5,000 | Up to 12 months | As low as 11.50% |
Overdraft Protection | $35,000 | Up to 12 months | As low as 9.50% |
Share & Certificate Secured | Amount of Deposit | Share Secured
Up to 5 years
More than 5 years
Certificate Secured
Term of CD |
3% above Share rate
4% above Share rate
7.50% Minimum Rate |
Loan Discounts | You can lower your rates on applicable loans up to 0.50% with the following discounts:
Auto Pay 0.50%: A regularly scheduled electronic payment such as payroll deduction, transfer from your Bay Cities checking or savings, or debit from a checking account at another financial institution.
|
*APR - Annual Percentage Rate. Rates are based on your credit profile.
Rates above include available discounts. Rates are subject to change.
Debt Protection | Debt Protection may cancel your loan balance or payments in case of involuntary unemployment, disability or death (Life Plus). Our Life Plus protection covers a range of circumstances which include accidental dismemberment, terminal illness, hospitalization or family medical leave and death of a non-protected dependent. |
The Products offered:
Are not federally insured
Are not obligations of the Credit Union
Are not guaranteed by the Credit Union
Involve investment risk
If applicable, are being offered by a dual employee who accepts deposits on behalf of the Credit Union and also sells non-deposit investment products on behalf of a third-party broker
Apply For A Loan
Loan Applications |
Consumer Loan Application (All requests other than VISA & Home Equity)
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Visa Application
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Home Equity Loan Application
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