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

We're Number One!

Bay Federal is the Best Credit Union to Work For!

Find Out More

Best Credit Union to Work For

$1000 Off Closing Costs

Special offer when you finance your home with Bay Federal.

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2020 Scholarship

Win $1,500 for school! Apply for our 2020 Education Scholarship.

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Plan Your Retirement

Make your 2019 IRA contribution through April 15!

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$100 Cash Back, 90 Days No Payments!*

Double Your Deal

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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.