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  • 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.

    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

RV & Motorcycle Loans

$100 cash back when you refi your loan from another lender!*
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Family playing guitar on the beach with RVs in the background

Your Key to Home!

Home loan solutions for everyone. Enter to win $5,000*
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Father and Son playing Soccer

Get $100 Cash Back!*

When you refi your auto loan from another lender with us.
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Woman Charging her Electric Car

Insurance Up-To-Date?

Protect yourself from financial loss due to accident or theft.
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Auto Dash and Steering Wheel

Visa Signature Credit Cards

Spend and Get 25,000 Bonus Points

Experience the Signature Lifestyle

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.