Bayport Credit Union: A Smarter Way to Bank
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Online Banking Enrollment is easy - here's how:

  • In the Username box, enter your Account #.
  • In the Password box, enter your numeric STAR PIN.

If you do not have a STAR PIN or need assistance,
please contact us.

Personal Loans

We give a boost to your finances when you need it most with different personal loans that provide you with either a lump sum of money or a revolving line of credit, depending on how you want to use it. Rely on BayPort to provide the convenience and value you expect. 

  • Overview
  • Rates

MaxTax Loan

When you need a loan that goes above and beyond, consider the MaxTax Loan as an option that will maximize your tax deductions.
  • Get a bigger tax break by using your home as collateral
  • Same interest rate as a conventional vehicle loan
  • You can qualify even if your home is financed through another institution
  • Borrow up to 100% of your home's value

PayDay Cash Loan

These are structured to help you, not hurt you, with a repayment period of 30 days and a draw period of one year.
  • Account must be in good standing
  • Account must have been open for 90+ days
  • 18% APR applies to all advances
  • Must provide proof of income

FlexLine Line of Credit

FlexLine acts like a signature loan, so if you qualify, you access the money with your signature on a check.
  • Revolving line of credit
  • Cash advances and fund transfers can be completed easily
  • Use as overdraft protection on your checking account
  • Enjoy many convenient options

Personal Loan

Secure a great, personal loan that allows you to budget for your payments.
  • Use this loan for any purpose
  • Choose from several repayment methods

MaxTax Loans

MaxTax loans carry the same interest rate as a conventional vehicle loan with rate determined by collateral type; see below:

New/Used Vehicles/Motorcycles up to 6 years old
Rates Effective: April 15, 2015
Approx. Term (Months)Daily Periodic Rate (%)APR as low asAPR up to
12-480.0055 - 0.04931.99%*17.99%*
49-600.0063 - 0.04932.29%*17.99%*
61-660.0065 - 0.04932.39%*17.99%*
67-750.0074 - 0.04932.69%*17.99%*
76-840.0150 - 0.04935.49%*17.99%*
Used Vehicles/Motorcycles over 6 years old
Rates Effective: April 15, 2015
Approx. Term (Months)Daily Periodic Rate (%) APR as low asAPR up to
12-480.0082 - 0.05202.99%*18.99%*
49-600.0090 - 0.05203.29%*18.99%*
61-660.0093 - 0.05203.39%*18.99%*
67-750.0101 - 0.05203.69%*18.99%*
76-840.0178 - 0.05206.49%*18.99%*
New/Used Boats
Rates Effective: April 15, 2015
Approx. Term (Months)Daily Periodic Rate (%) APR as low asAPR up to
12-480.0123 - 0.04794.50%*17.49%*
49-600.0123 - 0.04794.50%*17.49%*
61-660.0130 - 0.05274.75%*19.25%*
67-720.0144 - 0.05275.25%*19.25%*
73-840.0233 - 0.05278.50%*19.25%*
85-1200.0260 - 0.05279.50%*19.25%*
Personal Loans
Rates Effective: April 15, 2015
Type of LoanApprox. Term (Months)Daily Periodic Rate (%) Annual Percentage Rate (A.P.R.)(%)
FlexLine Line of Creditnot applicable0.0246 - 0.04798.99% - 17.49%*
Personal Loanup to 600.0246 - 0.04798.99% - 17.49%*
Savings Securedup to 240.00823.00%
Share Certificate Securedup to share certificate termshare certificate rate plus 2.50%share certificate rate plus 2.50%
Vacation Club Securedup to 240.00823.00%
Penalty Fees
Late Payment Fee 5.00% of any unpaid portion of your loan payment amount
Return Payment Fee $29.00 If your payment is returned to us, you will be charges $29.00 for each returned payment

*Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness, your Member Relationship with the credit union, the age of vehicle, and whether or not it is an existing BayPort loan. Please ask us for the rate that you qualify for. All terms may not be available.