First-Time Homebuyers

Our new program features a 3% down payment and no closing costs!* Learn more

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Our branches are currently closed on Saturdays and Sundays. All branches are open normal weekday hours.

Our Member Service Center will remain open its normal hours, including Saturdays. For more information about resources for our members during the current health emergency, visit our COVID-19 response page.

See our holiday hours page for additional information.

member service center

Member Service Center

Our friendly representatives are just a phone call away!

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atm locations

ATM Locations

Convenience and access 24 hours a day, 7 days a week.

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Bay Federal Credit Union Aptos branch

Aptos Branch

Located in the Rancho Del Mar Shopping Center near Peet's Coffee.

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Capitola outside branch

Capitola Branch

Visit us in the Brown Ranch Marketplace.

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freedom branch

Freedom Branch

Located in the Freedom Centre.

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Salinas Branch

Located in historic downtown Salinas.

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Santa Cruz Branch

Santa Cruz Branch

Located in the gateway to downtown Santa Cruz.

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Scott's Valley Branch

Scotts Valley Branch

Located in the Scotts Village Shopping Center.

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watsonville branch

Watsonville Branch

Located in the Overlook Shopping Center.

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