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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.

    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!*
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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

Shop to Win!

Use your Bay Federal Visa® Credit Card for a Chance to Win.
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Use VISA Win Big

Red Cross Donations

Donate to the American Red Cross' wildfire relief efforts.
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Cash Back, 90 Days No Payments and More!

Cash Now + Savings Down the Road

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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.