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Making a Real Difference

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

How can we help you today?

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.

Access Business Servcies today

Business Services Now!

Bay Federal App

Download BayFed Mobile

  • Check balances and recent transactions

  • Transfer funds

  • Deposit checks* with your smartphone

  • Make payments to your loans, credit card, and lines of credit

Download BayFed Mobile on the Apple App Store
Download BayFed Mobile on the Google Play store

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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.