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Our branches are currently open regular weekday hours.

Our branches are temporarily closed on Saturdays. Our Member Service Center will continue to help members by phone during its normal hours, including Saturdays.

COVID-19 Support Resources | Programas de ayuda durante el COVID-19 | Messages from our President and CEO

  • 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

Coronavirus (COVID-19) Health Emergency

Updates and resources during the current health emergency.
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Hands holding a heart

Programs to Help Our Members

We have options to help you through these challenging times.
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Couple at computer

The Economic Impact Payment

Information and links for stimulus checks and debit cards.
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A hand holding money

GreenPath Financial Wellness

FREE financial education and counseling.
Learn More
Ad for GreenPath: two people counting their money

Offering a variety of home lending options

We Do Home Loans

Competitive rates on loan amounts up to $3,000,000

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.