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Fraud Alert - Digital Wallet Scam

Fraudsters are contacting credit union and bank customers in an attempt to gain access to their accounts. In recent instances, the criminals initiate a one-time passcode (OTP) to be sent to the victim and then follow-up with a phone call or text asking for that passcode.

We urge all members to exercise caution with unsolicited calls or text messages. Learn More

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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.

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  • Natural Bridges State Park

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    and business banking needs.

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Sustainable Investing

Socially-screened portfolios that support your goals and morals.
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Zelle® is Coming!

Conveniently send money with Zelle® starting Feb 15.
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Consolidate Your Debt

Refi your existing debt into one low payment.
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Educational Scholarship

Win $1,500 for college or career education!
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An Adjustable Rate Mortgage can save you an average of

$3,024 annually

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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.