• 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.

    Get Started Get Started
  • 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.

    Get Started Get Started

Programs to Help

We have options to help you through these challenging times.
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Two people working on a computer

New Stimulus Payments

What you should know about the new round of payments.
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Man wearing a mask and looking at his phone

New HELOC Flex!

Plus Flexible Options to Lock in Your Rate.
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Two female friends paint a room

Loan Payment Options

We have lots of ways for you to make your loan payments!
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Woman with a credit card

$100 Cash Back and No Payments for 90 Days.

Save When You Refinance!*

Click for Details.

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.