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 Rates effective 06/01/2026: Tier 1 7.99% (84 months), 8.49% (144 months); Tier 2 8.24% (84 months), 8.74% (144 months). Lowest rate available: Recreational Vehicle 7.74%. Typical credit limit: Minimum Loan Amount: $5,000. Maximum Loan Amounts: New $200,000; Used $150,000. Loan terms: 84 months or 144 months.