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  • Live Local, Bank Local.

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

    Join Us Today
  • Walton Light House, Santa Cruz

    Making a Real Difference

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

    Join Us Today
  • Live Local, Bank Local.

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

    Join Us Today
  • Making a Real Difference

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

    Join Us Today
  • Live Local, Bank Local.

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

    Join Us Today
  • Making a Real Difference

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

    Join Us Today

90 Days No Payments*

Refinance your auto loan from another lender today!
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90 Days No Payments

Retirement Planning

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

Introducing Chip Cards!

The latest technology to safeguard your information!
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Teach Kids to Save

During Youth Financial Literacy Month, Apr. 1-30.
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Give a Hoot For Saving
Bay Federal Does Home Loans

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

Bay Federal Does Home Loans

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.