The United Bay Community Credit Union is a personal loan from United Bay Community Credit Union. The ongoing APR is APR as low as: up to 48 months 9.99%; up to 60 months 10.24%; up to 72 months 10.74% ($10,000 or greater); up to 84 months 11.49% ($15,000 or greater); Experian/Fair Isaac Risk Model Credit Score, term of loan, vehicle value and loan amount are used to determine which rate you qualify for; effective date October 17, 2026. Loan terms: Up to 48 to 84 months.