Personal Loans
Local Decisions. Local Approvals. Local Money.
Use the calculator below to give you an idea of your loan payments based on a number of criteria. Simply enter your information and click the ‘calculate’ button for an amortization table and graph.
Note: The information provided by the calculator is for general information purposes ONLY
A loan can allow you to take advantage of discounts or sales, lower your monthly debt payments, or take care of immediate needs. They’re approved quickly, come with flexible payment options and a choice of fixed or variable interest rates. And, you can repay a BAY Credit Union loan as quickly as you like without penalty!
Specialty Loans
Demand Loan
Short-term loans designed to help members who might need quick access to funds for a specific project or purpose. Bridge Loan: Similar to a Personal Loan, our Bridge Loan comes with a variable rate and is ideal for when you’re waiting on additional financing to come through. Unique terms apply.
Benefits
- Flexible repayment options: weekly, biweekly, semi-monthly, or monthly repayments
- Repay your loan without penalties
- Loans approved in your local branch
- Secure your loan to obtain better rates
Investment Loan
Short-term
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Allows for smaller loan amounts
- Flexible repayment over a 1-year period
- Reusable credit for future contributions
- No fees or penalties for lump-sum payments
Long-term
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Borrow larger amounts at competitive rates
- Flexible repayment options and terms
- Top up annual contributions to increase your tax refund
