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CEO Message – Strength and Security at your Credit Union

We are committed to helping our valued member-owners, like you, feel secure and supported in your banking relationship with Bay Federal Credit Union.

Read a message from our President and CEO, Carrie Birkhofer...

  • 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

Emergency Loans

Emergency Loans for members impacted by the recent storms.
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City of Pajaro flooded by the Pajaro River

Zelle® is Here!

Conveniently send money with Zelle® to friends and family.
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Two people stand together against a blue wall. One holds a phone.

Adjustable Mortgages

Save over $3,000 annually on your mortgage payment!
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Hugging Happy Couple with House Keys

Consolidate Your Debt

Refi your existing debt into one low payment.
Learn more
A person balancing on a rock with arms outstretched

Schedule a complimentary appointment today!

Here for Your Future

Relax and Enjoy the Now!

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.