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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.

    Get Started Get Started
  • Walton Light House, Santa Cruz

    Making a Real Difference

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

    Get Started Get Started
  • 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

2022 Scholarship

Win $1,500 for college or career education!
Apply Now

Plan Your Retirement

Make your 2021 IRA contribution through April 15!
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Retired Couple Cooking in Their Kitchen

Get $100 Cash Back!*

When you refi your auto loan from another lender with us.
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Selfie Couple Enjoys Their New Car

Get a FREE Appraisal*

Rates are low—refi your home loan from another lender today!
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Man and woman hugging outside of their house

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.