The Bay Federal Credit Union is a auto loan from Bay Federal Credit Union. Application typically pulls a hard report from Equifax. The ongoing APR is Lowest rate available: Motorcycle 5.99% (rates effective 06/01/2026). Typical credit limit: Minimum Loan Amount: $5,000. Maximum Loan Amounts: $50,000. Loan terms: Up to 48 months, 66 months, 72 months (financing of $15,000 or more), 84 months (financing of $20,000 or more).