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  • Bixby Creek Bridge

    Live Local, Bank Local.

    Choose Bay Federal Credit Union for your personal
    and business banking needs.

    Join Us Today
  • Walton Light House, Santa Cruz

    Making a Real Difference

    Choose Bay Federal Credit Union for your personal
    and business banking needs.

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  • Seacliff State Beach

    Live Local, Bank Local.

    Choose Bay Federal Credit Union for your personal
    and business banking needs.

    Join Us Today
  • Making a Real Difference

    Choose Bay Federal Credit Union for your personal
    and business banking needs.

    Join Us Today
  • Live Local, Bank Local.

    Choose Bay Federal Credit Union for your personal
    and business banking needs.

    Join Us Today
  • Making a Real Difference

    Choose Bay Federal Credit Union for your personal
    and business banking needs.

    Join Us Today
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4/9/2014

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Mortgage Loans

Affordable options and rates for home loans.
View our Mortgage Loans

Investments

Helping you achieve your goals, one penny at a time.
View our Investments

Auto Loan Special Offer

Refinance with us and make no payments for 90 days!
View Details
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Youth Week!

Visit Bay Federal from April 21-26 for fun and prizes!
View Youth Week Details

We Will Pay Your Appraisal!*

Refinance Today!

*Click through to find out more.

Choose Bay Federal Credit Union for your personal and business banking needs.

Bank online or at any of our credit union locations throughout Santa Cruz, Monterey & San Benito CA counties.