The United Bay Community Credit Union is a auto loan from United Bay Community Credit Union. The ongoing APR is APR as low as: up to 60 months 6.99%; up to 72 months 7.24%; up to 84 months 7.49%; up to 120 months 7.74% ($15,000 or greater); up to 180 months 7.99% ($20,000 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 60 to 180 months.