Loans :: Bay Cities CU

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.

Apply Now Calculate Your Loan Payment

Financing, Terms and Rates
CU Car Center
Loan Protection Services





	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.

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.

Apply Online Loan Payment Calculator

Financing, Terms and Rates
Loan Protection Services





	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 6 years 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 15 years  As low as

6.50%


	Boats Up to 100% of purchase price or appraised value, whichever is lower, plus tax, license and registration Up to 6 years As low as

6.50%


	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 6 years As low as 

6.50%


	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.

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 6 years	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 15 years	As low as 6.50%
Boats	Up to 100% of purchase price or appraised value, whichever is lower, plus tax, license and registration	Up to 6 years	As low as 6.50%
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 6 years	As low as 6.50%
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.

*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.

Apply Now

Features & Benefits
Rates
Verified by VISA®




	

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










	 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.

	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.

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.

Apply Now Calculate Your Loan Payment

Prime Equity Line of Credit
Fixed Equity

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 8.25%

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 8.25%



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%

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!

Apply Now Calculate Your Loan Payment

Financing, Terms and Rates
Loan Protection Services





	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.

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

Apply Now Calculate Your Loan Payment

Financing, Terms and Rates
Loan Protection Services





	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.

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)

Visa Application

Home Equity Loan Application

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.

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.

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