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  • Live Local, Bank Local.

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

    Join Us Today
  • Walton Light House, Santa Cruz

    Making a Real Difference

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

    Join Us Today
  • Live Local, Bank Local.

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

    Join Us Today
  • Making a Real Difference

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

    Join Us Today
  • Live Local, Bank Local.

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

    Join Us Today
  • Making a Real Difference

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

    Join Us Today
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Upcoming Merger Weekend 2/27/2015

Are you a member of SCCECU? We have an important timeline to help guide you through the merger process. Learn more...

Retirement Investments

Offered through CFS (Member FINRA/SIPC) at Bay Federal.
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Auto Loan Special Offer

Refinance with us and get up to $250 cash back!
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Events Calendar

Upcoming seminars and community events.
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Welcome SCCECU!

Important details for the merger occurring 2/27-3/2/15.
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Home Loans that

Make Dreams a Reality

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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.