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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.

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  • Capitola Village, Capitola, CA

    Live Local, Bank Local.

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

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  • 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
  • Strawberry Fields, Pajaro Valley

    Live Local, Bank Local.

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

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  • Natural Bridges State Park

    Making a Real Difference

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

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Equifax Data Breach

We have created a resource page for members concerned about the Equifax Data Breach. Please refer to this page for more information and additional resources provided by the Federal Trade Commission. 

$101 Reasons

Get $101 cash back when you refinance your auto loan from another lender with us!
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$101 Reasons to love Bay Federal

Flexible Life Insurance

Provided through CFS (Member FINRA/SIPC) at Bay Federal.
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Cash Value Life Insurance

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Offering a variety of home lending options

Offering a variety of home lending options

We Do Home Loans

Competitive rates on loan amounts up to $1,500,000

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.