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 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

Get a FREE Appraisal*

Finance with Bay Federal and Get a FREE Appraisal!*

Apply Now...

Get a FREE Appraisal from Bay Federal Credit Union!*

Retirement Planning

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

Start Planning

Retirement Planning

Celebrate Youth Week!

Visit your favorite branch for fun and prizes, April 23-30!

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Discover the Science of Saving!

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

Refinance your auto loan from another lender with us!*

90 Days, No Payments

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.