www.montereycountyweekly.com MAY 25-31, 2023 MONTEREY COUNTY WEEKLY 11 Federally Insured by NCUA | Equal Housing Lender 831.479.6000 or toll-free at 888.4BAYFED, ext. 304 www.bayfed.com/HomeLoans * The Annual Percentage Rate (APR) is variable and is based upon an Index plus a margin. The Index is the “Prime Rate” as published in the “Money Rates” section of the online edition of the Wall Street Journal on the first day of the billing cycle. Eligible Lines of Credit loan amounts up to $400,000. As of March 24, 2023, the variable APR for Home Equity Lines of Credit ranged from 8.50% APR to 10.00% APR, depending on your credit score (the lowest APR disclosed includes any applicable rate discounts). The maximum APR during the term of the plan is 18.00%. The maximum loan amount is $400,000. An estimate of the fees imposed for opening the plan are $750 to $2500. However, these fees will be waived and/or paid by the Credit Union provided that our security interest in your home is maintained for at least 36 consecutive months from the date the HELOC account is opened. Otherwise, you must reimburse the Credit Union for these waived and/or paid fees (not to exceed $500). An annual fee of $75 is required on all balances of less than $20,000 after the first year. During the Draw Period, you may convert the variable interest rate and repayment schedule on a portion of your outstanding balance to a fixed rate and repayment schedule (subject to the terms and conditions set forth in the Home Equity Line of Credit Agreement). Each time you fix a portion of your loan balance, you will be assessed a charge of $50.00. Only three (3) fixed-rate options may exist at any one time. Offer is available for new applications submitted through December 31, 2023. Loans are subject to credit approval and program guidelines. Interest rates and programs terms are subject to change without notice. Property insurance is required. Other restrictions may apply. Bay Federal Credit Union membership required at the time of closing. For more information, visit any Bay Federal Credit Union branch or call a Bay Federal Home Loan Consultant at 831.479.6000 or toll-free at 888.4BAYFED, ext. 304. Get the Most from Your Home Upgrade in the ways that are most meaningful to you with a Home Equity Line of Credit from Bay Federal Credit Union! Apply Today! Visit bayfed.com/helocflex to learn more. QUAIL LODGE & GOLF CLUB • 8205 VALLEY GREENS DRIVE, CARMEL WARNING: For more information, please call: 1-800-523-3157 5-23 Crude oil, gasoline, diesel fuel, and other petroleum products can expose you to chemicals including toluene and benzene, which are known to the State of California to cause cancer and birth defects or other reproductive harm. These exposures can occur in and around oil fields, refineries, chemical plants, transport and storage operations, such as pipelines, marine terminals, tank trucks, and other facilities and equipment. For more information go to: www.P65Warnings.ca.gov/petroleum. The foregoing warning is provided pursuant to Proposition 65. This law requires the Governor of California to publish a list of chemicals “known to the State to cause cancer or reproductive toxicity.” This list is compiled in accordance with a procedure established by the Proposition, and can be obtained from the California Environmental Protection Agency. Proposition 65 requires that clear and reasonable warnings be given to persons exposed to the listed chemicals in certain situations. VALERO Refining and Marketing Company, Ultramar Inc., and their affiliates and subsidiaries AERA ENERGY LLC PBF Energy Western Region LLC its affiliates and subsidiaries EXXON MOBIL CORPORATION its affiliates and subsidiaries PHILLIPS 66, including its divisions and subsidiaries (and under the trademarks 76) SHELL OIL PRODUCTS US Tesoro Refining & Marketing Company LLC (a subsidiary of Marathon Petroleum Corporation) and its affiliates (and under the trademarks ARCO, USA Gasoline, Shell, Thrifty, and ExxonMobil)
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