Bay Federal Credit Union | Making a Real Difference

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Live Local, Bank Local.

Bay Federal Credit Union is your best local option
for auto and home loans.
Get Started Get Started
Making a Real Difference

Choose Bay Federal Credit Union for your personal
and business banking needs.
Get Started Get Started
Live Local, Bank Local.

Bay Federal Credit Union is your best local option
for auto and home loans.
Get Started Get Started
Making a Real Difference

Bay Federal Credit Union is your best local option
for auto and home loans.
Get Started Get Started
Live Local, Bank Local.

Choose Bay Federal Credit Union for your personal
and business banking needs.
Get Started Get Started
Making a Real Difference

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

First-Time Homebuyers

First Time Home-buyers can get 3% down and no closing costs!*

Learn More

Mom and son horseplay in their new livingroom

Get $100 Cash Back!*

When you refi your auto loan from another lender with us.

Learn more

Two female friends enjoying drinks at the shore

Get a FREE Appraisal*

Rates are low—refi your home loan from another lender today!

Learn More

Couple roasting marshmallows

Connect for the Cause

Proposed IRS Requirements Could Burden Credit Unions

Learn More

U.S. Capitol Building

Loan Amounts up to $3,000,000!*

Get the Home of your Dreams

Our Jumbo Rates Have Never Been Lower!

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.