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 Up to 60 months: Tier 1 9.24%, Tier 2 10.24% (rates effective 06/01/2026). Typical credit limit: Minimum Loan Amount is $500; Max. Loan Amount $7,500. Loan terms: Up to 60 months (60 month term only available on financing of $5,000 or more).