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Credit union · NCUA insured

Bay Area Credit Union Auto Loan Rates

Bay Area Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.

How Bay Area Credit Union’s auto loan rates compare

Compared with banks and credit unions near Toledo, OH, where Bay Area Credit Union has the most branches. New vehicle, lowest advertised APR first.

Compare auto loan rates near you →

Bay Area Credit Union auto loan score

73

Auto loan score

Higher than 34% of U.S. banks and credit unions

By vehicle
  • New vehicleNew5.49%
  • Used vehicleUsed5.49%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Bay Area Credit Union ranks

By auto loan score, in each area where it has branches

Every rate

Current auto loan rates

Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.

Who can join Bay Area Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

  • Membership is open to individuals who live, work, worship, or attend school in Lucas, Wood, Ottawa, or Sandusky county.

Family and household

  • Family members are eligible to join.

Cost to join

  • Opening a Regular Savings account with a $5 minimum deposit is required to join.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← Bay Area Credit Union overview