Bay Federal Credit Union

Account Login

Forgot Login | New User

Making a Real Difference

Whatever your financial goals are today, we are here to help you succeed.

Join Us

Money Market Advantage

Money market accounts typically earn higher dividends than regular savings accounts, and you'll have easy access to the funds you need.

  • Minimum opening balance just $0.01*

  • No monthly service fee

  • Easily withdraw and deposit funds

  • Great rates – highest dividends paid on your first $2,500

Learn More
Money Market Advantage Open Online Today

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 rates on deposit accounts, loans, and credit cards! Apply online today.

12-Month Certificate

4.08 %* apy

Money Market Advantage

3.04 %* apy

5-Year Certificate

4.34 %* apy

View All Rates

*Deposit accounts may have different rates based on your balance. All loans and mortgages have their own requirements to achieve specific rates. All loan rates will be personalized for YOU based on your credit score and debt to income ratio and additional discounts may be available. Visit our rates page for full details.

Elevate Your Earnings with Certificates

  • Terms ranging from 3 months up to 5 years

  • Open a certificate with as little as $1,000

  • Interest is compounded daily — earn money on your interest!

  • At maturity, renew your certificate for the interest rate offered at that time, choose a different term, or move your money into another account

  • Your certificate accounts are federally insured by the NCUA

Learn More
A family sits in their front yard, holding a "sold" sign

From Renting to Owning — We Can Get You There!

Our First Time Homebuyer Program is designed to make financing your first home simple.

Is now the time to buy?
Businesswoman on a tablet in an office.

Business Services Now!

With BayFed at your side, you can get help with every financial need to start your business or keep it running.

We offer business checking, credit cards, loans, merchant services, and more!
Family looking at laptop.

Investing, Planning & Budgeting

More than just a retirement resource. Schedule a complimentary appointment with the LPL Financial Advisors with Investment Services at Bay Federal Credit Union.

TruStage® Insurance: Simple, Straightforward, Budget-Friendly

TruStage - For simple and reliable insurance, we've got you covered. Find Out More.

Backed by more than 80 years of working with credit unions and their members, you can count on TruStage to help protect what matters most. Trust us for all your insurance needs, including life, health, car and home, accidental death and dismemberment coverage and more.

Get a quote or explore your options at TruStage.com.

Learn More

Financial Wellness

Attention: You are leaving the Bay Federal Credit Union website

You will be redirected to a website outside of the Bay Federal Credit Union website and entering a website hosted by another party. The linked website is not operated by Bay Federal Credit Union. Bay Federal Credit Union is not responsible for the content or availability of the linked website. Bay Federal Credit Union does not represent the operator of the linked website, the member, or any other users if the two enter into a transaction. Privacy and Security Policies of the linked website may differ from those of Bay Federal Credit Union.