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Important Maintenance Wednesday
This Wednesday, September 28, online and mobile banking will be unavailable from 9:00 PM to 11:00 PM. We appreciate your patience and understanding as we work to improve your banking experience!
  • Bixby Creek Bridge

    Live Local, Bank Local.

    Bay Federal Credit Union is your best local option
    for auto and home loans.

    Get Started Get Started
  • Walton Light House, Santa Cruz

    Making a Real Difference

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

    Get Started Get Started
  • Capitola Village, Capitola, CA

    Live Local, Bank Local.

    Bay Federal Credit Union is your best local option
    for auto and home loans.

    Get Started Get Started
  • Beach lined with colorful iceplant

    Making a Real Difference

    Bay Federal Credit Union is your best local option
    for auto and home loans.

    Get Started Get Started
  • Strawberry Fields, Pajaro Valley

    Live Local, Bank Local.

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

    Get Started Get Started
  • Natural Bridges State Park

    Making a Real Difference

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

    Get Started Get Started

Invest In Your Future

Personalized retirement planning based on your goals.
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Multi-generational Family

Drive Electric and Save

Get $100 Cash back plus No Payments for 90 Days
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Woman Enjoying Driving

Insurance Up-To-Date?

Protect yourself from financial loss due to accident or theft.
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Auto Dash and Steering Wheel

Visa Signature Lifestyle

Visa Signature® Credit Card Rewards Your Spending!
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The Visa Signature Lifestyle

First-Time Homebuyers save an average of

$4,000 in Closing Costs*

when they finance through Bay Federal

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.