• Bixby Creek Bridge

    Live Local, Bank Local.

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

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  • Walton Light House, Santa Cruz

    Making a Real Difference

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

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  • Capitola Village, Capitola, CA

    Live Local, Bank Local.

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

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  • 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
  • Strawberry Fields, Pajaro Valley

    Live Local, Bank Local.

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

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  • Natural Bridges State Park

    Making a Real Difference

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

    Get Started
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Watsonville Branch Closure
7/24/17

Due to a vehicle accident into our Watsonville Branch, the branch is closed until further notice. The branch will remain closed until we ensure that the building is structurally sound and safe for our members and employees to enter. We apologize for the inconvenience!

Consolidate Your Debt!

Finance equity in your vehicle to pay off higher rate debt.
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Q2-2017 Auto Promo Home 4 Promo box

Socially Responsible

Investments with CFS (Member FINRA/SIPC) at Bay Federal.
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Socially Responsible Investing

Mobile Wallet is Here!

The latest mobile payment technology is now available.
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Mobile Wallet is here!

Win this Playhouse!

Bay Federal Home Loans invites you to enter for a chance to win.
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Little Tikes Playhouse
Home Loans 5% down, no mortgage insurance!* Bay Federal Credit Union

Exciting Offer for First Time Homebuyers

5% Down, No Mortgage Insurance!*

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.