Money Market Advantage
Money market accounts typically earn higher dividends than regular savings accounts, and you'll have easy access to the funds you need.
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Minimum opening balance just $0.01*
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No monthly service fee
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Easily withdraw and deposit funds
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Great rates – highest dividends paid on your first $2,500
How can we help you today?
Certificates
Lock in a competitive rate with terms ranging from 3 months to 5 years!
Mortgage
First-Time Homebuyers: 3% Down and No Closing Costs*
Credit Cards
Find the card for you, from credit building to great rewards and cash back.
Investments
Tailored Portfolios – Guided, personalized investing for you.
Local
In person or online, the BayFed vibe is real. Bank with a credit union you can trust.
Great Rates*
Bay Federal Credit Union offers great rates on deposit accounts, loans, and credit cards! Apply online today.
12-Month Certificate
4.08 %* apy
Money Market Advantage
3.04 %* apy
5-Year Certificate
4.34 %* 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.
Elevate Your Earnings with Certificates
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Terms ranging from 3 months up to 5 years
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Open a certificate with as little as $1,000
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Interest is compounded daily — earn money on your interest!
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At maturity, renew your certificate for the interest rate offered at that time, choose a different term, or move your money into another account
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Your certificate accounts are federally insured by the NCUA
TruStage® Insurance: Simple, Straightforward, Budget-Friendly
Backed by more than 80 years of working with credit unions and their members, you can count on TruStage to help protect what matters most. Trust us for all your insurance needs, including life, health, car and home, accidental death and dismemberment coverage and more.
Get a quote or explore your options at TruStage.com.