• Bixby Creek Bridge

    Live Local, Bank Local.

    Bay Federal Credit Union is your best local option
    for auto and home loans.

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  • Walton Light House, Santa Cruz

    Making a Real Difference

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

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  • Capitola Village, Capitola, CA

    Live Local, Bank Local.

    Bay Federal Credit Union is your best local option
    for auto and home loans.

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  • Beach lined with colorful iceplant

    Making a Real Difference

    Bay Federal Credit Union is your best local option
    for auto and home loans.

    Get Started Get Started
  • Strawberry Fields, Pajaro Valley

    Live Local, Bank Local.

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

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  • Natural Bridges State Park

    Making a Real Difference

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

    Get Started Get Started

Home Loans

Finance with Bay Federal and get $1000 off closing costs!
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Family in front of their house

Managing Inheritance

Offered through CFS (Member FINRA/SIPC) at Bay Federal.
Let Us Help
Father and child at family gathering

Win Boardwalk Passes

Bay Federal is celebrating summer by giving away season passes!
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Boardwalk Ride

Visa Debit - Just Right.

Use your Visa® Debit card for every little thing you need.
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VISA Debit - Great for the little things in life

Finance the Equity in Your Vehicle to

Pay Off Higher Rate Debt

at a Low, Fixed Rate!* Apply Online Today!

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.