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 Bay Federal Credit Union — A Better Way to Bank Bay Federal Credit Union is a full–service, not–for–profit financial cooperative. We provide personal 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. 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 60,000+ 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. If you would like more information about Bay Federal Credit Union, we'd love to help — just click here for a membership application and find out how to sign up. We look forward to serving you! Contact Bay Federal: 831.479.6000
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