Bay Federal Credit Union

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Making a Real Difference

Whatever your financial goals are today, we are here to help you succeed. 

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How can we help you today?



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We’ve ensured that you can quickly and easily make your loan payment.

 

Certificates

Lock in a competitive rate with terms ranging from 3 months to 5 years!

 

Mortgage

First-Time Homebuyers: 3% Down and No Closing Costs.*

 

Credit Cards

Find the card for you, from credit building to great rewards and cash back.

 

Investments

Tailored Portfolios – Guided, personalized investing for you.

This Summer, Drive Away with a Lower Rate

Bay Federal members can get an auto loan rate as low as 5.99% APR.*

This offer has been extended through September 30!

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Visa® Signature Credit Cards

Looking for a credit card that rewards your everyday lifestyle? Bay Federal Credit Union offers two powerful options designed to give you more—whether you prefer cash back on groceries and gas or travel points for your next adventure.

Learn More
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Renovate Your Home, Not Your Wallet

Our HELOC Flex offers flexibility to upgrade your home in the ways that are the most meaningful to you!
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Your Next Chapter Starts Here

It's never too early or too late to start investing. We have simple, personalized strategies to help you down the path toward your retirement.
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Commercial Real Estate

Unlock the potential of your business with Bay Federal Credit Union's Commercial Real Estate loans.

Great Rates*

Bay Federal Credit Union offers great rates on deposit accounts, loans, and credit cards! Apply online today.

18-Month Certificate

3.72 %* apy

Personal Loans

9.99 %* apr

Money Market Savings

3.04 %* apy

View All Rates

*Deposit accounts may have different rates based on your balance. All loans and mortgages have their own requirements to achieve specific rates. All loan rates will be personalized for YOU based on your credit score and debt to income ratio and additional discounts may be available. Visit our rates page for full details.

Coming This Summer: New Branch in Marina

Summer is almost here, and so is our Marina branch! We're putting the finishing touches on our new location, and we can't wait to welcome you.

Discover the Location

Community Engagement

Bay Federal Credit Union is actively engaged in the communities that we serve through corporate sponsorships, donations, business networking, and volunteer activities. 

Community Engagement Request
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You will be redirected to a website outside of the Bay Federal Credit Union website and entering a website hosted by another party. The linked website is not operated by Bay Federal Credit Union. Bay Federal Credit Union is not responsible for the content or availability of the linked website. Bay Federal Credit Union does not represent the operator of the linked website, the member, or any other users if the two enter into a transaction. Privacy and Security Policies of the linked website may differ from those of Bay Federal Credit Union.