The Texas Bay Credit Union is a auto loan from Texas Bay Credit Union. Application typically pulls a hard report from TransUnion. The ongoing APR is 0-48 months As low as 8.26%; 49-65 months 8.49%; 66-72 months 8.99%; 73-84 months 9.49%; 85-120 months 9.99% (APR; rates effective October 1, 2026; with approved credit).