Bay Federal Credit Union | Recipient of a 2016 Best Places to Work award

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Live Local, Bank Local.

Choose Bay Federal Credit Union for your personal
and business banking needs.
Join Us Today
Making a Real Difference

Choose Bay Federal Credit Union for your personal
and business banking needs.
Join Us Today
Live Local, Bank Local.

Choose Bay Federal Credit Union for your personal
and business banking needs.
Join Us Today
Making a Real Difference

Choose Bay Federal Credit Union for your personal
and business banking needs.
Join Us Today
Live Local, Bank Local.

Choose Bay Federal Credit Union for your personal
and business banking needs.
Join Us Today
Making a Real Difference

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

Retirement Investments

Offered through CFS (Member FINRA/SIPC) at Bay Federal.

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Get $100 Cash Back!*

When you refinance your auto loan from another lender with us.

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FHA & VA Home Loans

No or low down payment and easy qualification.

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FHA & VA Home Loans

Disaster Relief

Donate to the American Red Cross' disaster relief efforts.

Donate Now

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BFCU Home Wide Promo Q3-4 2016

Finance with Bay Federal Credit Union and Get a FREE Appraisal!*

A Home of Your Own

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.