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  • 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.

    Get Started Get Started
  • 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.

    Get Started Get Started
  • Natural Bridges State Park

    Making a Real Difference

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

    Get Started Get Started

New Visa Signature!

From merchandise to travel, there’s a perfect reward for you!
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Happy Visa Signature Shopper

Get $100 Cash Back!*

When you refi your auto loan from another lender with us.
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Two female friends enjoying drinks at the shore

Get a FREE Appraisal*

Rates are low—refi your home loan from another lender today!
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Free Appraisal Q4 2021

Bike and eBike Loans

Cruise around town on a new or used bicycle or eBike!
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Woman standing with her ebike

First-Time Homebuyers Program

3% Down and No Closing Costs*

Low, competitive rates | Friendly, fast, local service

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.