About Bay Federal

Proudly Serving Our Community Since 1957

Bay Federal Credit Union was started when local school teachers pooled their money together to start a credit union. That original vision and investment has grown into the area’s largest locally-owned financial institution, with over $1.6 billion in assets. Bay Federal provides full service financial products and solutions to Santa Cruz, Monterey, and San Benito counties. Whether a community member is looking to buy a home, purchase a car, save some money, or access the latest in banking technology, our local and friendly employees are here to help!

As a local, member-owned, not-for-profit financial cooperative, we are passionate about contributing to the community and being an integral part of its incredible story. Each year, our employees volunteer their time and donate their money to local non-profits, schools, and events. Our managers serve on local boards in an effort to be involved, to understand challenges, and, most importantly, to make a real difference.

Bay Federal also supports countless local organizations that provide community improvement programs, as well as area schools, through organizational partnerships and sponsorship.

From our founding as a teacher’s credit union, Bay Federal has continued our commitment to education. We offer annual student scholarships for members and offer a comprehensive array of solutions to support our member's financial wellness. Through online financial education course offerings, solutions for teachers and students, as well as special programs for youth, our financial wellness programs are free and available to the public. This is a small part of our work in creating thriving and vibrant communities!

We look forward to continuing our story, and hope that you will be a part of it!

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