The Texas Bay Credit Union is a personal loan from Texas Bay Credit Union. Application typically pulls a hard report from TransUnion. The ongoing APR is 0-24 months As low as 10.49%; 25-36 months 12.39%; 37-48 months 13.39%; 49-60 months 14.39%; 61-72 months 15.39%; 73-84 months 15.39% (APR; rates effective October 1, 2026). Loan terms: Repayment periods from 6-72 months (loan page); rate table lists terms to 84 months.