Credit union · NCUA insured
Bay Federal Credit Union Credit Card Rates
Bay Federal Credit Union credit cards start at 15.49% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Bay Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Santa Cruz, CA, where Bay Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Bay Federal Credit Union
15.49%APR
- Up to
- —
Pacific Points Visa Signature®
Lowest rate
Santa Cruz Community Credit Union
12.40%APR
- Up to
- —
3rd-lowest rate
Wells Fargo
17.74%APR
- Up to
- 28.49% APR
Bay Federal Credit Union credit card score
62
Credit card score
Higher than 5% of U.S. banks and credit unions
- Purchase APRPurchase APR15.49%
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 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.
Bay Cash Visa® Classic
Requires None to Good Credit. Credit lines up to $1,000 with no credit history.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.99% | None | Variable APR based on the Prime Rate for purchases, balance transfers, and cash advances. |
Sources (3)
- bayfed.com/loans-credit-cards/rates/loan-credit-card
- bayfed.com/loans-credit-cards/credit-cards
- bayfed.com/loans-credit-cards/credit-cards/baycash
All captured Oct 16, 2026
Coastal Cash Visa Signature®
Requires Good to Excellent Credit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 15 months | 0.00% | None | 0% Intro APR for the first 15 statement cycles on all purchases following account opening. |
| Ongoing | 15.49% | None | Variable APR based on Prime Rate for purchases, balance transfers, and cash advances. |
Pacific Points Visa Signature®
Requires Good to Excellent Credit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 15 months | 0.00% | None | 0% Intro APR for the first 15 statement cycles on all purchases following account opening. |
| Ongoing | 15.49% | None | Variable APR based on Prime Rate for purchases, balance transfers, and cash advances. |
Visa® Classic
Requires Average Credit. Perfect for building or rebuilding credit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | Variable APR based on the Prime Rate for purchases, balance transfers, and cash advances. |
Visa® Secured Classic
Requires Below Average Credit. No Minimum Credit Score required for approval. Secured by a fully refundable security deposit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | Purchase APR: 18.00% Variable Rate. |
Sources (1)
- bayfed.com/loans-credit-cards/credit-cards · 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.