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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

Local Home Loans

Loan Amounts up to $1,500,000.
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Home Loans - Purchase or Refinance

Retirement Investments

Offered through CFS (Member FINRA/SIPC) at Bay Federal.
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Gift Card

In the Community

100% commitment to volunteering in our community since 2002.
View Community Involvement

Quest for Saving

Celebrate Youth Financial Literacy Week, Apr. 25-30.
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Youth Financial Literacy Week 2016: Quest for Saving
Free* appraisal when you refinance with Bay Federal Credit Union

Refinance with Bay Federal Credit Union and Get a FREE appraisal!*

Make Your Next Move, the Best Move

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.