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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

Consolidate Your Debt!

Finance equity in your vehicle to pay off higher rate debt.
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Q2-2017 Auto Promo Home 4 Promo box

Socially Responsible

Investments with CFS (Member FINRA/SIPC) at Bay Federal.
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Socially Responsible Investing

Mobile Wallet is Here!

The latest mobile payment technology is now available.
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Mobile Wallet is here!

Win this Playhouse!

Bay Federal Home Loans invites you to enter for a chance to win.
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Little Tikes Playhouse
Home Loans 5% down, no mortgage insurance!* Bay Federal Credit Union

Exciting Offer for First Time Homebuyers

5% Down, No Mortgage Insurance!*

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.