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

Home Loans

Finance with Bay Federal and get $1000 off closing costs!

Apply Now...

Family in front of their house

Managing Inheritance

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

Let Us Help

Father and child at family gathering

Under Innovation

We're updating our River Street branch to better serve you!

Recent Updates

Artist rendering of remodeled River Street branch

Security and Protection

Visa Credit Cards make all your purchases easy and secure.

Learn More

A Bay Federal Visa Credit Card will make all your purchases easy and secure.

Finance the Equity in Your Vehicle to

Pay Off Higher Rate Debt

at a Low, Fixed Rate!* Apply Online Today!

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.