Bay Federal Credit Union | Making a Real Difference

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All Bay Federal branches are currently open regular weekday hours.

Our branches are temporarily closed on Saturdays. Our Member Service Center will continue to help members by phone during its normal hours, including Saturdays.

COVID-19 Support Resources

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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

Coronavirus (COVID-19) Health Emergency

Updates and resources during the current health emergency.

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Programs to Help Our Members

We have options to help you through these challenging times.

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The Economic Impact Payment

Eligibility for stimulus checks and how to get your money.

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GreenPath Financial Wellness

FREE financial education and counseling.

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Ad for GreenPath: two people counting their money

Offering a variety of home lending options

We Do Home Loans

Competitive rates on loan amounts up to $3,000,000

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.