Bay Federal Credit Union | Making a Real Difference

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Live Local, Bank Local.

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

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

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

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

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

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

$101 Reasons

Get $101 cash back when you refinance your auto loan from another lender with us!

Learn more

$101 Reasons to love Bay Federal

Flexible Life Insurance

Provided through CFS (Member FINRA/SIPC) at Bay Federal.

Safeguard Your Future

Cash Value Life Insurance

Red Cross Donations

Donate to the American Red Cross' disaster relief efforts.

Donate Now

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Celebrating 60 Years!

Making a real difference in our community since 1957.

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$1,000 Off Your Closing Costs - home page graphic

Finance with Bay Federal and get

$1,000 Off Your Closing Costs!*

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.