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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

90 Days No Payments

Refinance your auto loan from another lender with us and save!
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90 Days No Payments

Retirement Investments

Offered through CFS (Member FINRA/SIPC) at Bay Federal.
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Exciting Home Loans

Pay as little as 10% down with no mortgage insurance required.
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5-5 ARMs

Join Our Team

Bay Federal voted one of the best places to work again in 2016!
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BFCU - Voted one of the Best Places to Work in 2016!
Free* appraisal when you refinance with Bay Federal Credit Union

Finance with Bay Federal Credit Union and Get a FREE appraisal!*

Make Your Next Move, the Best Move

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.