Bay Area Credit Union
Verified rate book
Current Bay Area Credit Union rates
19 published offers verified as of August 4, 2026.
Auto & vehicle rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| New Auto Loanauto_new | 5.250% APR | 5.250% | new | Standard |
| Used Auto Loanauto_used | 5.250% APR | 5.250% | used | Standard |
| New Motorcycle Loanmotorcycle_new | 5.250% APR | 5.250% | new | Standard |
| Used Motorcycle Loanmotorcycle_used | 5.250% APR | 5.250% | used | Standard |
Personal loan rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Share-Secured Loanpersonal_secured | 3.000% APR | 3.000% | — | Standard |
| Personal Line of Creditploc_variable | 11.000% APR | 11.000% | — | Standard |
| Unsecured Personal Loanpersonal_unsecured | 12.950% APR | 12.950% | — | Standard |
Credit card rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Credit Cardcredit_card | 12.950% APR | 12.950% | — | Standard |
Savings & CD rates
11 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Money Marketmoney_market | 1.00% APY | 1.00% | — | Standard |
| 12 MONTH IRA CERTira | 1.25% APY | 1.25% | 12 mo | Standard |
| 12-Month Certificatecd_12mo | 1.25% APY | 1.25% | 12 mo | Standard |
| 24 MONTH IRA CERTira | 1.50% APY | 1.50% | 24 mo | Standard |
| 24-Month Certificatecd_24mo | 1.50% APY | 1.50% | 24 mo | Standard |
| 36-Month Certificatecd_36mo | 2.00% APY | 2.00% | 36 mo | Standard |
| 36 MONTH IRA CERTira | 2.00% APY | 2.00% | 36 mo | Standard |
| 48-Month Certificatecd_48mo | 2.20% APY | 2.20% | 48 mo | Standard |
| 48 MONTH IRA CERTira | 2.20% APY | 2.20% | 48 mo | Standard |
| 60-Month Certificatecd_60mo | 2.60% APY | 2.60% | 60 mo | Standard |
| 60 MONTH IRA CERTira | 2.60% APY | 2.60% | 60 mo | Standard |
Vehicle loans available from 5.25% APR. Personal loan rates from 3% APR. Credit card rates from 12.95% APR. Savings and certificate yields up to 2.60% APY.
Source: RateAPI.dev, verified from Bay Area Credit Union's official website
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About Bay Area Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 7.4K
- Assets
- $108.6M
- Founded
- 1934
- Locations reported
- 3
- NCUA charter
- 63375
- Charter type
- Federally insured state-chartered 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
- First-time homebuyer program
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 Area Credit Union
Membership eligibility from Bay Area Credit Union's own published criteria. How we verify this.
Community charter: live/work in Lucas, Wood, Ottawa +1 more
- LocationLucas, Wood, Ottawa, Sandusky
Cost to join: About $5.
Verified from Bay Area Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Bay Area 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 Area Credit Union ranks against Ohio peers.
Frequently Asked Questions
What rates does Bay Area Credit Union offer?
Bay Area Credit Union currently offers vehicle loan, personal loan, and credit card 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 Area Credit Union rates updated?
RateAPI verifies Bay Area 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 Area Credit Union's rate data?
Rate data is collected directly from Bay Area 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 Area Credit Union's auto & motorcycle loan rates?
As of August 4, 2026, Bay Area Credit Union offers vehicle loans from 5.25% APR.
What is Bay Area Credit Union's personal loan rate?
As of August 4, 2026, Bay Area Credit Union offers personal loans from 3% APR.
What is Bay Area Credit Union's best CD rate?
As of August 4, 2026, Bay Area Credit Union offers savings and certificate (CD) yields up to 2.60% APY.
Related Rate Data
Compare Bay Area 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
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View MethodologyTrack Bay Area Credit Union rates
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# Get rates for Bay Area Credit Union
curl "https://api.rateapi.dev/credit-unions/ohio/bay-area" \
-H "Authorization: Bearer YOUR_API_KEY"