• 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.

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Plan Your Retirement

Offered through CFS (Member FINRA/SIPC) at Bay Federal.
Start Planning
Woman on boat smiling and looking out towards ocean

$1000 Off Closing Costs

Special offer when you finance your home with Bay Federal.
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1000 Off Closing Costs Q1-2019 (Home 4 Box)

Government Shutdown

Resources to help affected members.
Learn More
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2019 Scholarship

Win $1,500 for school! Apply for our 2019 Education Scholarship.
Apply Now

Refer a friend or family member to refinance their auto loan with us.

Refer a Friend, Get $50!

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.