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Making a Real Difference

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

Money Market Advantage

Money market accounts typically earn higher dividends than regular savings accounts, and you'll have easy access to the funds you need.

  • Minimum opening balance just $0.01*

  • No monthly service fee

  • Easily withdraw and deposit funds

  • Great rates – highest dividends paid on your first $2,500

Money Market Advantage Open Online Today

How can we help you today?

Great Rates*

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

12-Month Certificate

4.08 %* apy

Money Market Advantage

3.04 %* apy

5-Year Certificate

4.34 %* apy

*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.

Elevate Your Earnings with Certificates

  • Terms ranging from 3 months up to 5 years

  • Open a certificate with as little as $1,000

  • Interest is compounded daily — earn money on your interest!

  • At maturity, renew your certificate for the interest rate offered at that time, choose a different term, or move your money into another account

  • Your certificate accounts are federally insured by the NCUA

TruStage® Insurance: Simple, Straightforward, Budget-Friendly

TruStage - For simple and reliable insurance, we've got you covered. Find Out More.

Backed by more than 80 years of working with credit unions and their members, you can count on TruStage to help protect what matters most. Trust us for all your insurance needs, including life, health, car and home, accidental death and dismemberment coverage and more.

Get a quote or explore your options at

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