Jumbo Home Loans

Our Jumbo Loan rates have never been lower!* Learn more

Dream Home - Bay Fed Jumbo Loans

About Bay Federal Credit Union

Financial education event

About Bay Federal

We are passionate about contributing to our community and being an integral part of its incredible story.

What We Do
Patty Winters


We have a thriving culture of excellent service and fun. We are always looking for the right people to add to our team.

What It's Like to Work Here
Carrie Birkhofer

Our Leadership

Bay Federal's leadership is comprised of executive and senior teams, as well as two volunteer-staffed boards.

Meet Our Leaders
First credit union office

Our History

Bay Federal began as a teachers' credit union in 1957 and has grown into a robust financial institution.

How We Got Here
Watsonville branch

What Is a Credit Union?

Bay Federal is a unique financial institution with products and services to best serve our members.

What We Offer
2019 BCUTWF logo on paper


Bay Federal earns recognition for its commitment to improving the financial lives of its members.

See List of Awards
mobile apps