Please enable JavaScript on your browser to view this site correctly.
  • Live Local, Bank Local.

    Bay Federal Credit Union is your best local option
    for auto and home loans.

    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
  • Live Local, Bank Local.

    Bay Federal Credit Union is your best local option
    for auto and home loans.

    Get Started
  • Making a Real Difference

    Bay Federal Credit Union is your best local option
    for auto and home loans.

    Get Started
  • Live Local, Bank Local.

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

    Get Started
  • Making a Real Difference

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

    Get Started

Consolidate Your Debt!

Finance equity in your vehicle to pay off higher rate debt.
Learn more
Q2-2017 Auto Promo Home 4 Promo box

Socially Responsible

Investments with CFS (Member FINRA/SIPC) at Bay Federal.
Learn More
Socially Responsible Investing

Introducing Chip Cards!

The latest technology to safeguard your information!
Find Out More
new-new-newUntitled-1

Celebrating 60 Years!

Making a real difference in our community since 1957.
Learn More
PHP Home 4 Promo box with photo and 60th transp
Home Loans 5% down, no mortgage insurance!* Bay Federal Credit Union

Exciting Offer for First Time Homebuyers

5% Down, No Mortgage Insurance!*

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.