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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

Retirement Investments

Offered through CFS (Member FINRA/SIPC) at Bay Federal.
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Get $100 Cash Back!*

When you refinance your auto loan from another lender with us.
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FHA & VA Home Loans

No or low down payment and easy qualification.
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FHA & VA Home Loans

Disaster Relief

Donate to the American Red Cross' disaster relief efforts.
Donate Now
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Finance with Bay Federal Credit Union and Get a FREE Appraisal!*

A Home of Your Own

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.