Bay Federal Credit Union

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Making a Real Difference

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

Join Us Returning Applicants

How can we help you today?



Make a Payment

We’ve ensured that you can quickly and easily make your loan payment.

 

Credit Cards

Find the card for you, from credit building to great rewards and cash back.

 

Titanium Savings

Our unique solution for members who want a high-yield for higher balances.

 

Mortgage

First-Time Homebuyers: 3% Down and No Closing Costs.*

 

Investments

Tailored Portfolios – Guided, personalized investing for you.

Do the BayFed Math.

Groceries + cash back? Dining out + rewards points? However you add it up, a BayFed credit card can help make your everyday spending more rewarding. That's an equation worth celebrating. 

Coastal Cash

Coastal Cash

Groceries + Filling Up the Tank = Coffee Date

Earn up to 3% cash back on groceries and drugstore purchases, because everyday essentials should add up to something rewarding.

Explore Cash Back
PACIFIC POINTS

Pacific Points

Ride Share Downtown + Dinner Out = Dessert Covered

Earn up to 3x points on dining purchases and turn everyday moments into rewards worth looking forward to.

Explore Rewards
Give your car payment the rest of the year off.

Give your car payment the rest of the year off.

A fresh financial start doesn't require a new car. With Bay Federal's auto refinance offer, you can keep the vehicle you love while giving your payments the rest of 2026 off.
Two people looking at construction plans

Equity built over time. Ready when you are.

Your home has been quietly building value. A Bay Federal HELOC lets you access that equity, without touching your existing mortgage.
Woman working and making coffee

Payday called. It’s coming early.

With direct deposit to your Bay Federal checking account, your paycheck can arrive up to two days early.

Great Rates*

Bay Federal Credit Union offers great rates on deposit accounts, loans, and credit cards! Apply online today.

Autos

5.24 %* apr

Titanium Savings

2.02 %* apy

Personal Loans

7.49 %* apr

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.

Bay Federal Credit Union Included in Forbes list

Forbes Best-In-State Credit Unions

Bay Federal Credit Union has been named to the Forbes list of America’s Best-In-State Credit Unions 2026. This prestigious recognition is presented in partnership with Statista, a leading global provider of market data and industry rankings.

 Read More

Community Giving

Community Giving

Founded by local teachers, Bay Federal is proud to continue our legacy of supporting students by investing in local schools, youth sports, and opportunities for young people throughout our communities.

Community Giving Application Period
October 1 – November 15

 

Learn About Community Giving

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