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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.

    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

Sustainable Investing

Socially-screened portfolios that support your goals and morals.
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Young family enjoying a hike in the hills

90 Days No Payments!*

Purchase or refi your auto loan from another lender with us.
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Young Family Enjoying a Drive

Insurance Up-To-Date?

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

Let Us Pay You Back!

Use your Visa® credit card this season for a chance to win!*
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Happy Family Shopping

First-Time Homebuyers save an average of

$4,000 in Closing Costs*

when they finance through Bay Federal

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.