The BAY FEDERAL CREDIT UNION All Credit Levels is a cdfi lender from BAY FEDERAL CREDIT UNION. The annual fee is $0. The ongoing APR is 7.49 %. Signup bonus: $200 when you refinance an eligible auto loan. Rewards: great rewards and cash back. This product reports activity to your personal credit report. Bay Federal Credit Union is a member-focused financial institution located in Capitola, CA, dedicated to helping individuals achieve their financial goals through a variety of services. They serve a diverse community in California, offering a range of lending options including personal loans, mortgages, auto loans, and credit cards. Services include: personal loans, mortgages, auto loans, credit cards. US Treasury certified CDFI Credit Union in Capitola, CA. Membership required.