• 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
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New Look for BayFedOnline
12/6/2017

You will notice a new mobile-friendly design. There is no change to your online banking, login, or password – just a more dynamic experience!

$101 Reasons

Get $101 cash back when you refinance your auto loan from another lender with us!
Learn more
$101 Reasons to love Bay Federal

Flexible Life Insurance

Provided through CFS (Member FINRA/SIPC) at Bay Federal.
Safeguard Your Future
Cash Value Life Insurance

Safe & Secure Payments

Shop with confidence! Use your Bay Federal Visa Debit/Credit card.
Visa Card Security
Visa Card Security

Celebrating 60 Years!

Making a real difference in our community since 1957.
Learn More
PHP Home 4 Promo box with photo and 60th transp
$1,000 Off Your Closing Costs - home page graphic

Finance with Bay Federal and get

$1,000 Off Your Closing Costs!*

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.