• 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

Get a FREE Appraisal*

Finance with Bay Federal and Get a FREE Appraisal!*
Apply Now
Free Appraisal On Us!

Your Retirement

Offered through CFS (Member FINRA/SIPC) at Bay Federal.
Start Planning
Older couple embracing and smiling at a backyard celebration

2019 Scholarship

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

Red Cross Donations

Donate to the American Red Cross' wildfire relief efforts.
Donate Now

Cash Back, 90 Days No Payments and More!

Cash Now + Savings Down the Road

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.