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Making a Real Difference

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

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.

6-Month Certificate

4.08 %* apy

Money Market Advantage

3.04 %* apy

1-Year Certificate

4.60 %* 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.

Short-Term Goals, Long-Term Gain!

A certificate is a savings account that generally earns a higher rate of interest than a regular savings account in exchange for your promise to keep the money in the account for a pre-determined period of time. The longer the term, the more interest you are likely to earn.

  • 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!

Family on Beach

Looking for reliable insurance options designed to be simple?

Looking for reliable insurance options designed to be simple?

Insurance should be an important part of a solid financial plan. The key is finding coverage that fits your needs from someone trustworthy—because the right insurance could help give you peace of mind.

Backed by more than 80 years of working with credit unions and their members, TruStage™ is here to help protect what matters most. Trust us for all your insurance needs, including Life, Auto, Accidental Death & Dismemberment Coverage and more.

Get an instant, no-obligation quote or explore your coverage options at

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