COVID-19 Support ResourcesPrograms In Place to Help Our MembersHealth Emergency Resources for MembersMessages from Our President and CEOCareers at Bay FederalOpen Positions at Bay FederalWhat It's Like to Work at Bay FederalEmployee Benefits at Bay FederalFun for Employees at Bay FederalReal Estate Owned PropertiesLocations, Hours and ATMsMember Service CenterATM LocationsAptos BranchCapitola BranchFreedom BranchSanta Cruz BranchScotts Valley BranchWatsonville BranchSalinas Branch - Harden RanchDedicated to Community SupportOur Volunteer ProgramEvents CalendarBay Federal Credit Union NewsAnnual ReportsPress ReleasesBay Federal NewsBayWatchBayBuck AwardsBay Federal LeadershipBoard of DirectorsExecutive & Senior Leadership TeamsSupervisory CommitteeMessages from Our President & CEOFrequently Asked QuestionsAbout Bay Federal Credit UnionSafety and SecurityHoliday ScheduleHistoryContact UsAwardsOnline Privacy PolicyDevice and System RequirementsBayFedOnline Maintenance Schedule Jumbo Home Loans Our Jumbo Loan rates have never been lower!* Learn more