Bay Federal membership is open to people and businesses. Any person who lives, works, worships, or attends school in Santa Cruz, San Benito, or Monterey Counties can join Bay Federal Credit Union. Someone may also qualify if an immediate family member has an account with Bay Federal. An immediate family member includes a spouse, child, sibling, parent, grandparent/grandchild, stepparents/children/siblings, adoptive relationships and persons living in the same residence and maintaining a single economic unit.
Sole proprietorships, partnerships, corporations, clubs, non-profits, and various other types of businesses that are physically located or headquartered in Santa Cruz, San Benito, or Monterey County are eligible for business membership with Bay Federal Credit Union. Certain LLCs, LLPs may not be eligible; to confirm eligibility, please call us at 831.479.6000 or 888.4BAYFED, option 3.