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

Programs to Help

We have options to help you through these challenging times.

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Financial Wellness

FREE financial education and counseling through GreenPath.

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two people counting their money

We Do Home Loans

Purchase, Refinance, HELOC, and more.

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Wildfire Resources

Resources for people impacted by the current wildfires.

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As Low As 2.24% APR*

Plus 90 Days of No Payments**

When you refinance your auto loan with us.

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.