Bay Federal Credit Union | Making a Real Difference

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Live Local, Bank Local.

Bay Federal Credit Union is your best local option
for auto and home loans.
Get Started Get Started
Making a Real Difference

Choose Bay Federal Credit Union for your personal
and business banking needs.
Get Started Get Started
Live Local, Bank Local.

Bay Federal Credit Union is your best local option
for auto and home loans.
Get Started Get Started
Making a Real Difference

Bay Federal Credit Union is your best local option
for auto and home loans.
Get Started Get Started
Live Local, Bank Local.

Choose Bay Federal Credit Union for your personal
and business banking needs.
Get Started Get Started
Making a Real Difference

Choose Bay Federal Credit Union for your personal
and business banking needs.
Get Started Get Started

Join Our Team

Come join one of the Best Places to Work in the Bay Area!

Find Out More

Best Places to Work

Refinance and Save!

No payments for 90 days* when you refinance your auto loan.

Apply Now

Auto Q2-2019 90 Days Home 4 Promo Image

Welcome, Friends!

Get to know more about Bay Federal Credit Union, and our recent announcement!

Special Announcement

Shop Safely Anywhere

Safe, secure shopping with your Bay Federal Visa Card!

Learn More

Visa Card Security

Get a $500 Visa Gift Card!

When you Buy or Refi Your Home

Finance with us and receive a $500 Visa gift card for your first home improvement project!*

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.