The Bay Federal Credit Union is a personal credit card from Bay Federal Credit Union. Application typically pulls a hard report from Equifax. The annual fee is No Annual Fee. The ongoing APR is Purchase APR: 17.99% Variable Rate (rates effective 09/18/2026; APR will vary with the market based on the Prime Rate). Approval typically requires a credit score of Requires: None to Good Credit or higher. Rewards: Unlimited 1% Cash Back on all purchases, automatically deposited to your account. Typical credit limit: Credit lines up to $1,000 with no credit history.