We Do Home Loans

Affordable options and rates for home loans. Get Preapproved!

Bay Federal Credit Union Does Home Loans

Receiving Cash from ATM

Your Bay Federal Visa Debit Card allows you to access your accounts and withdraw cash without paying a fee at all Bay Federal ATMS (see below) and thousands of CO-OP Network ATMs across the U.S. and Canada.

Find the Closest, Surcharge-Free ATM whether at home, work, or while traveling!

  • Use the online CO-OP ATM Locator
  • Download the ATM locator app from iTunes
  • Call 888.748.3266 (888.SITE.CO-OP)
  • Text a street address, ZIP Code, or "City State" to 91989

You can also use your Visa Debit Card to withdraw cash from ATMs displaying the Visa, Plus, or Star logos,* and make purchases from businesses that display the Visa, Star, or Interlink network logos.**

Our recently upgraded state-of-the art ATMs have advanced features to improve your ATM banking experience and reduce environmental impact.

  • Deposit envelopes are not required. You can deposit your paper currency or checks directly and help save precious natural resources.
  • Check Images for Easy Record-Keeping – Your receipt will include an image of each check deposited to your account.
  • Reduced Paper Waste – Receipts are printed on both sides.
  • Better Lighting – LED lighting is brighter and uses less energy than traditional light sources.
  • ADA Accessible – All new machines comply with the latest Americans with Disabilities Act requirements, making them easier for all our members to use.

Speak to a Member Service Representative to find out more.

ATM Locations


Ben Lomond

Capitola Branch (3 machines)

Freedom Branch (2 machines, 1 drive-up)

Santa Cruz (8 machines)

Scotts Valley

Watsonville (3 machines, 1 drive-up)

Salinas (1 machine)

mobile apps