Auto Loans
Your rate can be as low as 4.74% APR* if you purchase an auto that gets 30 MPG on the highway and set up automatic payment!
Our competitive interest rates for new & used auto loans will put you in the driver's seat with affordable payments.
It only takes 3 steps...
APPLY today and get pre-approved.
CHOOSE the car you've always wanted.
DRIVE it home!
Loan Type Financing Terms *APR
New Auto Up to 125% of Kelley Blue Book, including tax & license Up to 84 months As low as
5.74% *APR
Used Auto Up to 125% of Kelley Blue Book, including tax & license Up to 84 months As low as
5.74% *APR
Basic Transportation Car Up to 125% of Kelley Blue Book, including tax & license (must be purchased from a dealership) Up to 60 months As low as
5.75% *APR
Older Cars (2017 or older) Up to 125% of Kelley Blue Book, including tax & license Up to 60 months As low as
7.00% *APR
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.
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 insuredAre not obligations of the Credit UnionAre not guaranteed by the Credit UnionInvolve investment riskIf 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 6 years As low as 6.74% *APR
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 7.45% *APR
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 7.45% *APR
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 7.45% *APR
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 insuredAre not obligations of the Credit UnionAre not guaranteed by the Credit UnionInvolve investment riskIf 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
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
7.25% *APR
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
6.00% *APR
*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, school expenses, vacation and travel, bill consolidation, taxes 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 insuredAre not obligations of the Credit UnionAre not guaranteed by the Credit UnionInvolve investment riskIf 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, school expenses, vacation and travel, bill consolidation, taxes 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 insuredAre not obligations of the Credit UnionAre not guaranteed by the Credit UnionInvolve investment riskIf 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
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