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Friday Evening Maintenance
We will perform important system maintenance beginning Friday, December 4 at 9 PM until Saturday, December 5 at 3 AM. During this time, BayFedOnline and our mobile app may be intermittently unavailable. Thank you for your patience and understanding!
 
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Branch Occupancy Limits

Due to new state restrictions on retail occupancy, we must limit the number of members that we can allow in our branches at one time. This may result in lines outside of our locations. Thank you for your patience as we work hard to keep everyone safe and healthy! 

Did you know you can bank with us from home using BayFedOnline and our mobile app? Visit this page for more information! You can also reach out to our call center and request a call back instead of waiting on hold. Thank you for your patience and understanding! 

  • Bixby Creek Bridge

    Live Local, Bank Local.

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  • Walton Light House, Santa Cruz

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  • Capitola Village, Capitola, CA

    Live Local, Bank Local.

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  • Beach lined with colorful iceplant

    Making a Real Difference

    Bay Federal Credit Union is your best local option
    for auto and home loans.

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    and business banking needs.

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  • Natural Bridges State Park

    Making a Real Difference

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    and business banking needs.

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Programs to Help

We have options to help you through these challenging times.
Learn More
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Bank From Home

Learn how to complete common banking needs online!
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New HELOC Flex!

Plus Flexible Options to Lock in Your Rate.
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2021 Scholarship

Win $1,500 for school! Apply for our 2021 Education Scholarship.
Apply Now

As Low As 2.24% APR*

Plus 90 Days of No Payments**

When you finance with Bay Federal.

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.