Bay Federal Credit Union

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Making a Real Difference

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

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How can we help you today?



Make a Payment

We’ve ensured that you can quickly and easily make your loan payment.

 

Credit Cards

Find the card for you, from credit building to great rewards and cash back.

 

Titanium Savings

Our unique solution for members who want a high-yield for higher balances.

 

Mortgage

First-Time Homebuyers: 3% Down and No Closing Costs.*

 

Investments

Tailored Portfolios – Guided, personalized investing for you.

Now's the Time to Refi

Get $200 cash back!1

If your current auto loan is with another lender, refinancing with us may help you secure a more competitive rate, lower your monthly payment, or both. And to make the switch even sweeter, you’ll get $200 when you refinance an eligible auto loan.

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Visa® Signature Credit Cards

Looking for a credit card that rewards your everyday lifestyle? Bay Federal Credit Union offers powerful options designed to give you more.
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Renovate Your Home, Not Your Wallet

Our HELOC Flex offers flexibility to upgrade your home in the ways that are the most meaningful to you!
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Your Next Chapter Starts Here

It's never too early or too late to start investing. We have simple, personalized strategies to help you down the path toward your retirement.

Great Rates*

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

Autos

5.49 %* apr

Titanium Savings

2.02 %* apy

Personal Loans

7.49 %* apr

View All Rates

*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.

Hello, Checking!

From updated BayChecking and Horizon Checking, to our new HarborLight and BayTeen Checking accounts, we have a solution for every stage of life.

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Bay Federal Student Scholarship

Scholarships for Students

Bay Federal Credit Union’s Education Scholarship is for students who are pursuing education and career training opportunities after high school. Those who wish to be considered for an award must meet all eligibility requirements and submit a completed 2026 Education Scholarship Application, along with all required documents, by no later than March 6, 2026.

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Community Engagement

Bay Federal Credit Union is actively engaged in the communities that we serve through corporate sponsorships, donations, business networking, and volunteer activities. 

Community Engagement Request
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You will be redirected to a website outside of the Bay Federal Credit Union website and entering a website hosted by another party. The linked website is not operated by Bay Federal Credit Union. Bay Federal Credit Union is not responsible for the content or availability of the linked website. Bay Federal Credit Union does not represent the operator of the linked website, the member, or any other users if the two enter into a transaction. Privacy and Security Policies of the linked website may differ from those of Bay Federal Credit Union.