Careers at Bay FederalOpen Positions at Bay FederalWhat It's Like to Work at Bay FederalEmployee Benefits at Bay FederalReal Estate Owned PropertiesLocations, Hours and ATMsMember Service CenterATM LocationsAptos BranchCapitola BranchFreedom BranchSanta Cruz BranchScotts Valley BranchWatsonville BranchSalinas BranchCommunity SupportOur Volunteer ProgramEvents CalendarNewsAnnual ReportsPress ReleasesBay Federal NewsBayBuck AwardsLeadershipBoard of DirectorsExecutive TeamSenior Leadership TeamSupervisory CommitteeFrequently Asked QuestionsAbout UsSafety and SecurityHoliday ScheduleHistoryContact UsAwardsOnline Privacy PolicyDevice and System RequirementsBayFedOnline Maintenance ScheduleWhat Is a Credit Union? We Do Home Loans Affordable options and rates for home loans. Get Preapproved!