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  • 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.

    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
  • 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

Mortgage Loans

Refinance and save up to $500!
View Details

Retirement Investments

Offered through CFS (Member FINRA/SIPC) at Bay Federal.
Find Out More

Complimentary Seminar

Presented by CFS (Member FINRA/SIPC) at Bay Federal.
View Details
401(k) Diagnostics

Mystery Shops

Make a difference and earn cash!
Find Out How

Refinance your Auto Loan

Cruise Into Big Savings!

Find out how!

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.