Bay Federal Credit Union | Making a Real Difference

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Live Local, Bank Local.

Bay Federal Credit Union is your best local option
for auto and home loans.
Get Started Get Started
Making a Real Difference

Choose Bay Federal Credit Union for your personal
and business banking needs.
Get Started Get Started
Live Local, Bank Local.

Bay Federal Credit Union is your best local option
for auto and home loans.
Get Started Get Started
Making a Real Difference

Bay Federal Credit Union is your best local option
for auto and home loans.
Get Started Get Started
Live Local, Bank Local.

Choose Bay Federal Credit Union for your personal
and business banking needs.
Get Started Get Started
Making a Real Difference

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

Get a FREE Appraisal*

Finance with Bay Federal and Get a FREE Appraisal!*

Apply Now

Free Appraisal On Us!

Your Retirement

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

Start Planning

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Shop to Win!

Use your Bay Federal Visa® Credit Card for a Chance to Win.

Learn More

Use VISA Win Big

Red Cross Donations

Donate to the American Red Cross' wildfire relief efforts.

Donate Now

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Cash Back, 90 Days No Payments and More!

Cash Now + Savings Down the Road

Click for Details.

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.