• Bixby Creek Bridge

    Live Local, Bank Local.

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

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  • Walton Light House, Santa Cruz

    Making a Real Difference

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

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  • Capitola Village, Capitola, CA

    Live Local, Bank Local.

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

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  • 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 Get Started
  • Strawberry Fields, Pajaro Valley

    Live Local, Bank Local.

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

    Get Started Get Started
  • Natural Bridges State Park

    Making a Real Difference

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

    Get Started Get Started

Home Loans

Finance with Bay Federal and get $1000 off closing costs!
Apply Now...
Family in front of their house

Managing Inheritance

Offered through CFS (Member FINRA/SIPC) at Bay Federal.
Let Us Help
Father and child at family gathering

Under Innovation

We're updating our River Street branch to better serve you!
Recent Updates
Artist rendering of remodeled River Street branch

Visa Debit - Just Right.

Use your Visa® Debit card for every little thing you need.
Learn More
VISA Debit - Great for the little things in life

Finance the Equity in Your Vehicle to

Pay Off Higher Rate Debt

at a Low, Fixed Rate!* Apply Online Today!

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.