Credit union · NCUA insured
Bay Federal Credit Union Auto Loan Rates
Bay Federal 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 Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Santa Cruz, CA, where Bay Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Bay Federal Credit Union
5.49%APR
- Terms
- up to 66 months
- Up to
- 9.74% APR
- Discount
- None included
Autos
Lowest rate
Santa Cruz Community Credit Union
5.24%APR
- Terms
- up to 60 months
- Up to
- 13.99% APR
- Discount
- None included
3rd-lowest rate
Bank of America
5.64%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Bay Federal Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- 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.
Where Bay Federal 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.
Autos
All vehicles must be titled and registered in California. 0.25% rate reduction for Automatic Payment enrollment at funding. 0.25% rate reduction for fully electric vehicles (no reduction for hybrids). Minimum loan amount $5,000; Maximum loan amounts: New $70,000, Used $50,000. APRs assume purchase of an auto under 5 calendar years; final APR may be higher depending on vehicle financed.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.24%–9.49% | Credit score 750+ for lowest APR; under 5 calendar years. |
| up to 66 months | 5.49%–9.74% | Credit score 750+ for lowest APR; under 5 calendar years. |
| up to 72 months | 5.99%–10.24% | Credit score 750+ for lowest APR; 72 month term requires financing of $15,000 or more; under 5 calendar years. |
| up to 84 months | 6.24%–8.99% | Credit score 750+ for lowest APR; 84 month term requires financing of $20,000 or more; under 5 calendar years. |
Sources (2)
All captured Oct 16, 2026
Motorcycle Loans
All vehicles must be titled and registered in California. 0.25% rate reduction for Automatic Payment enrollment at funding. Lowest rate available: 5.99%. Minimum loan amount: $5,000; Maximum loan amount: $50,000. APRs assume purchase or refinance of a vehicle under 5 calendar years; final APR may be higher depending upon the age of the vehicle.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.24%–7.74% | Credit score 750+ for lowest APR; under 5 calendar years. |
| up to 66 months | 6.24%–7.74% | Credit score 750+ for lowest APR; under 5 calendar years. |
| up to 72 months | 6.49%–7.99% | Credit score 750+ for lowest APR; 72 month term requires financing of $15,000 or more; under 5 calendar years. |
| up to 84 months | 6.49%–7.99% | Credit score 750+ for lowest APR; 84 month term requires financing of $20,000 or more; under 5 calendar years. |
Sources (2)
All captured Oct 16, 2026
Who can join Bay Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Santa Cruz, San Benito, or Monterey County are eligible for membership.
Employers and groups
- Sole proprietorships, partnerships, corporations, clubs, non-profits, or other types of businesses physically located or headquartered in Santa Cruz, San Benito, or Monterey County are eligible for membership.
Family and household
- Individuals who have an immediate family member with an account at Bay Federal, or who live in the same residence and maintain a single economic unit with a member, are eligible.
Membership information collected October 5, 2026.