The Bay Federal Credit Union is a personal loan from Bay Federal Credit Union. Application typically pulls a hard report from Equifax. The ongoing APR is As Low As APR: 7.49% (24 months, min loan $1,000), 7.99% (48 months, min loan $5,000), 8.99% (60 months, min loan $7,500); rates effective 06/01/2026. Typical credit limit: Minimum loan amount is $1,000. Maximum loan amount is $50,000. Loan terms: 24 months, 48 months, 60 months.