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Important Branch and Credit Union Updates to the Coronavirus (COVID-19) Health Emergency

During the current orders to "shelter-in-place" Bay Federal will continue to serve our members.

Temporarily and through the remainder of the self-isolation period, our Aptos and Scotts Valley branches will be closed, and all remaining branches will close on Saturdays. Our Member Service Center will continue to help members by phone during its normal hours. We have resources available to support our members during this time.

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  • Bixby Creek Bridge

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  • Walton Light House, Santa Cruz

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  • Capitola Village, Capitola, CA

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

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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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  • Strawberry Fields, Pajaro Valley

    Live Local, Bank Local.

    Choose Bay Federal Credit Union for your personal
    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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Coronavirus (COVID-19) Health Emergency

Updates and resources during the current health emergency.
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Local, State, and Federal Resources

Get help with money, bills, and feeling better.
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GreenPath Financial Wellness

FREE financial education and counseling.
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Online Banking Demo

Learn how to use BayFedOnline with our new demo!
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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.