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  • Bixby Creek Bridge

    Live Local, Bank Local.

    Bay Federal Credit Union is your best local option
    for auto and home loans.

    Get Started
  • Walton Light House, Santa Cruz

    Making a Real Difference

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

    Get Started
  • Capitola Village, Capitola, CA

    Live Local, Bank Local.

    Bay Federal Credit Union is your best local option
    for auto and home loans.

    Get Started
  • Beach lined with colorful iceplant

    Making a Real Difference

    Bay Federal Credit Union is your best local option
    for auto and home loans.

    Get Started
  • Strawberry Fields, Pajaro Valley

    Live Local, Bank Local.

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

    Get Started
  • Natural Bridges State Park

    Making a Real Difference

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

    Get Started
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Important System Maintenance
10/16/2017

We are performing important system maintenance this weekend. BayFedOnline, our mobile app, and BayPhone will be unavailable from 10 PM on Saturday, October 21 until 10 AM on Sunday, October 22. Thank you for your patience and understanding!

$101 Reasons

Get $101 cash back when you refinance your auto loan from another lender with us!
Learn more
$101 Reasons to love Bay Federal

Flexible Life Insurance

Provided through CFS (Member FINRA/SIPC) at Bay Federal.
Safeguard Your Future
Cash Value Life Insurance

Red Cross Donations

Donate to the American Red Cross' disaster relief efforts.
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Celebrating 60 Years!

Making a real difference in our community since 1957.
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$1,000 Off Your Closing Costs - home page graphic

Finance with Bay Federal and get

$1,000 Off Your Closing Costs!*

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.