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  • Live Local, Bank Local.

    Choose Bay Federal Credit Union for your personal
    and business banking needs.

    Join Us Today
  • Walton Light House, Santa Cruz

    Making a Real Difference

    Choose Bay Federal Credit Union for your personal
    and business banking needs.

    Join Us Today
  • Live Local, Bank Local.

    Choose Bay Federal Credit Union for your personal
    and business banking needs.

    Join Us Today
  • Making a Real Difference

    Choose Bay Federal Credit Union for your personal
    and business banking needs.

    Join Us Today
  • Live Local, Bank Local.

    Choose Bay Federal Credit Union for your personal
    and business banking needs.

    Join Us Today
  • Making a Real Difference

    Choose Bay Federal Credit Union for your personal
    and business banking needs.

    Join Us Today

90 Days No Payments*

When you refinance your auto loan from another lender with us.
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90 Days No Payments

Retirement Planning

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

Card Fraud Alert!

Fraud is on the rise in our area. We have tips to help protect you.
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Fraudster

2017 Scholarships

Win $1,500 for school! Apply for our 2017 Education Scholarship.
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BFCU Home Wide Promo Q1-2017 DRAFT-1

Finance with Bay Federal Credit Union and Get a FREE Appraisal!*

Welcome Home

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.