How can we help you today?
Certificates
Lock in a competitive rate with terms ranging from 3 months to 5 years!
Mortgage
First-Time Homebuyers: 3% Down and No Closing Costs*
Credit Cards
Find the card for you, from credit building to great rewards and cash back.
Investments
Tailored Portfolios – Guided, personalized investing for you.
Local
In person or online, the BayFed vibe is real. Bank with a credit union you can trust.
Great Rates*
Bay Federal Credit Union offers great low rates for all of our loans and mortgages! Apply online today to find your personalized rate for what you need!
Auto Loans starting at
6.49 %* apr
Conforming Fixed Rate Mortgage
6.998 %* apr
Motorcycle Loans starting at
7.24 %* apr
*All loans and mortgages have their own requirements to achieve these rates. All rates will be personalized for YOU based on your credit score and debt to income ratio. Additional discounts may be available. Visit our rates page for full details.
Business Services Now!
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Business Checking - Simple and convenient options for your daily banking needs.
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Business Savings - Get your business off to the right start!
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Business Loans - Working capital and financing to help your business succeed.
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Merchant Card Services - Accept debit or credit card payments easily and securely!
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Business Credit Cards - Gives you access to funds you need to run your business.
Download BayFed Mobile
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Check balances and recent transactions
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Transfer funds
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Deposit checks* with your smartphone
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Make payments to your loans, credit card, and lines of credit
