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Making a Real Difference

Whatever your financial goals are today, we are here to help you succeed. 

How can we help you today?

Family unpacking in their new house

Make Homeownership Your Reality

Receive a free appraisal and no closing costs when you finance your first home with Bay Federal Credit Union.
Couple working on construction project.

Renovate Your Home, Not Your Wallet

Our HELOC Flex offers flexibility to upgrade your home in the ways that are the most meaningful to you!

Great Rates*

Bay Federal Credit Union offers great rates on deposit accounts, loans, and credit cards! Apply online today.

1-Year Certificate

4.08 %* apy

Autos

6.49 %* apr

Money Market Advantage

3.04 %* apy

*Deposit accounts may have different rates based on your balance. All loans and mortgages have their own requirements to achieve specific rates. All loan rates will be personalized for YOU based on your credit score and debt to income ratio and additional discounts may be available. Visit our rates page for full details.

Bay Federal Credit Union – New Branch in Marina Coming in 2025!

Bay Federal Credit Union is thrilled to announce the opening of our newest branch at the Promenade at the Dunes in Marina, opening by the Summer of 2025! This new location brings our unique brand of community-focused banking to one of the region’s most dynamic and growing areas.

Promenade At The Dunes

Looking for reliable insurance options designed to be simple?

Looking for reliable insurance options designed to be simple?

Insurance should be an important part of a solid financial plan. The key is finding coverage that fits your needs from someone trustworthy—because the right insurance could help give you peace of mind.

Backed by more than 80 years of working with credit unions and their members, TruStage™ is here to help protect what matters most. Trust us for all your insurance needs, including Life, Auto, Accidental Death & Dismemberment Coverage and more. 

Get an instant, no-obligation quote or explore your coverage options at www.trustage.com

Community Engagement

Bay Federal Credit Union is actively engaged in the communities that we serve through corporate sponsorships, donations, business networking, and volunteer activities. 

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