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Loans
At Bay Media FCU, we recognize that your loan needs vary throughout your membership. For that reason, we offer a variety of
loans tailored to meet your requirements and offer competitive rates designed to keep interest payments low.
Vehicle Loans (New/Used)
- Up to 100% MSRP plus tax and license on a new car
- Up to 100% High Blue Book plus tax and license on a used car
- Up to 90% MSRP for motorcycles
- Up to 65% MSRP for new boats and RVs; Used – 50% Retail Price NADA Price Guide
- Terms range from 2 – 7 years
To assist you in selecting your vehicle, we have provided you CUDLAutoSMART, click to find out more information. Whatever you want to enhance your life, Bay Media has a plan to help you.
Mortgage Loans
Home Equity Line of Credit
- For remodeling projects, bill consolidation, etc.
- Up to 80% LTV (Loan-To-Value) and up to $100,000 equity line of credit
- 15 year term and a competitive variable rate (the annual percentage rate may vary)
- 15 year term and a competitive fixed rate
- Consult a tax advisor regarding the deductibility of interest.
Regular Share/Money Market/Certificate Secured
- Regular Share Secured is a minimum $500; term up to 120 months.
- Certificate Secured is $1000 minimum; Certificate Single payment at time of maturity.
- Fixed rate, 300 basis points above dividend rate; floor rate is 6.00%
- Loan up to 95% of funds available in account
Signature Loan
- Up to $20,000 depending on the credit and capacity of the borrower
- terms up to 60 months
Overdraft Line of Credit
- Up to $7,500 depending on the credit and capacity of the borrower
Apply now by completing a loan application below.
Loan Application
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