Bay Federal Credit Union Visa Gold | Consumer Financial Protection Bureau

Nationwide

Availability

Santa Cruz County, Monterey County, San Benito County (California)

Eligibility requirements

This card is from a credit union, a not-for-profit, member-owned institution that you must join before applying for the card. Check with the credit union for membership requirements, which typically include living in certain areas or working for certain employers.

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

bayfed.com

Did you know: This card is from a credit union, which often offer lower interest rates and could save you hundreds of dollars per year.

Purchase interest rate and fees

15.24%*

*As of Jun. 30, 2024. Advertised purchase APRs change over time. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
620-719	15.24%	1 dollar sign symbol Pay less interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee: None
Minimum finance charge: No minimum interest payment is required to avoid additional fees
Grace period: 30 days until interest begins to accrue on purchases
Balance computation method: Monthly interest is calculated based on your average daily balance including new purchases
Purchase APR index: The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: $29 for the first late payment
Over-limit fee: None

Rewards and perks

This card does not offer cash back, travel, or other rewards.

Services

Automobile rental insurance
Extension on manufacturer’s warranty

Card features

Contactless Payments
Chip card
Fee-free foreign transactions
Mobile wallet provisioning (for example, Apple Pay)

Balance transfer interest rate and fees

This card does not offer balance transfers.

Cash advance interest rate and fees

15.24%*

+

2% ($2 minimum)

*As of Jun. 30, 2024. Advertised cash advance APRs change over time. Check rates before applying.

The cash advance fee is charged for each cash advance.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.