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About Bay Federal Credit Union Bay Federal Credit Union — Making A Real Difference Bay Federal Credit Union is a full–service, not–for–profit financial cooperative. We provide personal and business banking services but, unlike a bank, we're owned by our account-holders — members like you! Our goal is to be better than a bank by delivering outstanding service, competitive savings yields, low loan rates, and many low and no–cost services. Our Board of Directors is made up of unpaid volunteers who spend countless hours ensuring the safety and stability of your money in the Credit Union. Your deposits at Bay Federal Credit Union are federally insured to at least $250,000 per account by the National Credit Union Administration, a U.S. government agency. IRAs are separately insured up to $250,000. If you'd like to learn more, see "Your Insured Funds" or speak with one of our Member Service Representatives. Membership is open to those connected with the Tri-County area — anyone who lives, works, worships, attends school, or volunteers in Santa Cruz, Monterey or San Benito Counties may join us. Our 55,000+ members enjoy a wide variety of products to serve all their financial needs, including:
Our Credit Union philosophy is "people helping people," which translates into exceptional service, competitive and affordable financial products, and assistance from staff and management who care about you. These benefits are what make Bay Federal Credit Union stand out as one of Tri-Counties' best financial service values, and why thousands of area residents have joined us. Bay Federal's first 50 years Learn how Bay Federal has become a local success story. Contact Bay Federal: 831.479.6000
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