• 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.

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    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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90 Days, No Payments

when you refinance your auto loan from another lender with us!*
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Q1-2018 Auto Promo Home 4 Promo box

Retirement Planning

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

2018 Scholarships

Win $1,500 for school! Apply for our 2018 Education Scholarship.
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Safe & Secure Payments

Shop confidently. Use your Bay Federal Visa Debit/Credit Card!
Visa Card Security
Visa Card Security
Free Appraisal Q1 2018 BFCU Home Wide

Finance with Bay Federal Credit Union and Get a FREE Appraisal!*

Get a FREE Appraisal.

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.