Bay Credit Union
Verified rate book
Current Bay Credit Union rates
2 published offers verified as of August 4, 2026.
Auto & vehicle rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Auto Loanauto | 5.240% APR | 5.240% | — | Standard |
Personal loan rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Unsecured Personal Loanpersonal_unsecured | 7.490% APR | 7.490% | — | Standard |
Auto loans available from 5.24% APR. Personal loan rates from 7.49% APR.
Source: RateAPI.dev, verified from Bay Credit Union's official website
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About Bay Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 97.2K
- Assets
- $1.9B
- Founded
- 1957
- Locations reported
- 8
- NCUA charter
- 12067
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- Bilingual services
- Student scholarships
- Credit-builder products
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Bay Credit Union
Membership eligibility from Bay Credit Union's own published criteria. How we verify this.
Community charter: live/work in Santa Cruz, San Benito, Monterey
- LocationSanta Cruz, San Benito, Monterey
Verified from Bay Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Bay Credit Union?
This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Bay Credit Union ranks against California peers.
Frequently Asked Questions
What rates does Bay Credit Union offer?
Bay Credit Union currently offers Auto loan, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Bay Credit Union rates updated?
RateAPI verifies Bay Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Bay Credit Union's rate data?
Rate data is collected directly from Bay Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are Bay Credit Union's auto loan rates?
As of August 4, 2026, Bay Credit Union offers auto loans from 5.24% APR.
What is Bay Credit Union's personal loan rate?
As of August 4, 2026, Bay Credit Union offers personal loans from 7.49% APR.
Related Rate Data
Compare Bay Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack Bay Credit Union rates
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Use it via API
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# Get rates for Bay Credit Union
curl "https://api.rateapi.dev/credit-unions/california/bay" \
-H "Authorization: Bearer YOUR_API_KEY"