Credit union · NCUA insured
Bay Area Credit Union Credit Card Rates
Bay Area Credit Union credit cards start at 12.95% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Bay Area Credit Union’s credit card rates compare
Compared with banks and credit unions near Toledo, OH, where Bay Area Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Bay Area Credit Union
12.95%APR
- Up to
- —
VISA
Lowest rate
Glass City Federal Credit Union
6.99%APR
- Up to
- 17.88% APR
2nd-lowest rate
Toledo Fire Fighters Federal Credit Union
7.99%APR
- Up to
- —
Bay Area Credit Union credit card score
67
Credit card score
Higher than 20% of U.S. banks and credit unions
- Purchase APRPurchase APR12.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Bay Area Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
VISA
Subject to credit approval. Low fixed rate with no annual fee, no over limit fee, and no inactivity fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.95%–15.95% | None | Annual percentage rate (APR) for purchases and cash advances. Subject to credit approval. Penalty APR of 18.95% when 60 days late. 25-day grace period for purchases. |
| Ongoing | 12.95% | None | Rates as low as 12.95% for 48 months term. Low fixed rate with no annual fee. |
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This may be incomplete or out of date, so check with the credit union before you apply.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.