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Branches Now Open on Saturdays!
All branches have resumed Saturday hours and are open from 9 AM to 3 PM!
  • Bixby Creek Bridge

    Live Local, Bank Local.

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

    Get Started Get Started
  • Walton Light House, Santa Cruz

    Making a Real Difference

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

    Get Started Get Started
  • Capitola Village, Capitola, CA

    Live Local, Bank Local.

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

    Get Started Get Started
  • 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.

    Get Started Get Started
  • Natural Bridges State Park

    Making a Real Difference

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

    Get Started Get Started

First-Time Homebuyers

First Time Home-buyers can get 3% down and no closing costs!*
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Mom and son horseplay in their new livingroom

Get $100 Cash Back!*

When you refi your auto loan from another lender with us.
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Two female friends enjoying drinks at the shore

Get a FREE Appraisal*

Rates are low—refi your home loan from another lender today!
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Couple roasting marshmallows

RV & Motorcycle Loans

If It Moves You On the Road, We'll Finance It!
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Female camper enjoying their new RV

Loan Amounts up to $3,000,000!*

Get the Home of your Dreams

Our Jumbo Rates Have Never Been Lower!

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.