• Bixby Creek Bridge

    Live Local, Bank Local.

    Bay Federal Credit Union is your best local option
    for auto and home loans.

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  • Walton Light House, Santa Cruz

    Making a Real Difference

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

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  • Capitola Village, Capitola, CA

    Live Local, Bank Local.

    Bay Federal Credit Union is your best local option
    for auto and home loans.

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  • Beach lined with colorful iceplant

    Making a Real Difference

    Bay Federal Credit Union is your best local option
    for auto and home loans.

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  • Strawberry Fields, Pajaro Valley

    Live Local, Bank Local.

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

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  • Natural Bridges State Park

    Making a Real Difference

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

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Finance with Bay Federal and Get a FREE Appraisal!*
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Your Retirement

Offered through CFS (Member FINRA/SIPC) at Bay Federal.
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Win Super Bowl Tickets

Use your Bay Federal Visa for a chance to win!
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Welcome, Friends!

Get to know more about Bay Federal Credit Union, and our recent announcement!
Special Announcement
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Cash Back, 90 Days No Payments and More!

Cash Now + Savings Down the Road

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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.