Bay Federal Credit Union | Making a Real Difference

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Live Local, Bank Local.

Bay Federal Credit Union is your best local option
for auto and home loans.
Get Started Get Started
Making a Real Difference

Choose Bay Federal Credit Union for your personal
and business banking needs.
Get Started Get Started
Live Local, Bank Local.

Bay Federal Credit Union is your best local option
for auto and home loans.
Get Started Get Started
Making a Real Difference

Bay Federal Credit Union is your best local option
for auto and home loans.
Get Started Get Started
Live Local, Bank Local.

Choose Bay Federal Credit Union for your personal
and business banking needs.
Get Started Get Started
Making a Real Difference

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

Plan Your Retirement

Offered through CFS (Member FINRA/SIPC) at Bay Federal.

Start Planning

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$1000 Off Closing Costs

Special offer when you finance your home with Bay Federal.

Apply Now

1000 Off Closing Costs Q1-2019 (Home 4 Box)

Government Shutdown

Resources to help affected members.

Learn More

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2019 Scholarship

Win $1,500 for school! Apply for our 2019 Education Scholarship.

Apply Now

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Refer a friend or family member to refinance their auto loan with us.

Refer a Friend, Get $50!

Click for Details.

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.