Bay Federal Credit Union | Personal Banking Services | Business Banking

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Live Local, Bank Local.

Bay Federal Credit Union is your best local option
for auto and home loans.
Get Started Get Started
Making a Real Difference

Choose Bay Federal Credit Union for your personal
and business banking needs.
Get Started Get Started
Live Local, Bank Local.

Bay Federal Credit Union is your best local option
for auto and home loans.
Get Started Get Started
Making a Real Difference

Bay Federal Credit Union is your best local option
for auto and home loans.
Get Started Get Started
Live Local, Bank Local.

Choose Bay Federal Credit Union for your personal
and business banking needs.
Get Started Get Started
Making a Real Difference

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

RV & Motorcycle Loans

$100 cash back when you refi your loan from another lender!*

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Family playing guitar on the beach with RVs in the background

Your Key to Home!

Home loan solutions for everyone. Enter to win $5,000*

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Father and Son playing Soccer

Drive Electric and Save

Get $100 Cash back plus No Payments for 90 Days

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Woman Enjoying Driving

Insurance Up-To-Date?

Protect yourself from financial loss due to accident or theft.

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Auto Dash and Steering Wheel

Visa Signature Credit Cards

Spend and Get 25,000 Bonus Points

Experience the Signature Lifestyle

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.