Bay Federal Credit Union Serving its Members with 5-Star Strength

Capitola, CA – October 23, 2025 - BauerFinancial, Inc., the Nation’s Premier Credit Union and Bank Rating Firm, proudly acknowledges that Bay Federal Credit Union has earned its highest, 5-Star rating for five consecutive quarters. This latest rating was assigned in September 2025, based on June 30, 2025 financial data, and signifies that Bay Federal Credit Union continues to be one of the strongest credit unions in the nation.

“Bauer rates credit unions based on their overall financial condition,” reports Karen Dorway, president of the rating firm, “and has been doing so for over 40 years. Having a common bond with the membership, the employees of credit unions, like Bay Federal Credit Union, feel a kinship and have a desire to see members grow and thrive,” continues Dorway. “It gives me great pleasure to acknowledge that a credit union that measures its success by the success of its members, does so from such a solid financial foundation.”

“We’re proud to earn a 5-star rating that reflects Bay Federal’s enduring financial strength,” said Carrie Birkhofer, President and CEO of Bay Federal Credit Union. “For more than 60 years, we’ve built trust through sound financial management and unwavering dedication to helping our members and community achieve their own financial goals.”

Bay Federal Credit Union remains a trusted partner for its members, built on decades of financial strength and community connection. With every success, the Credit Union continues to build a brighter financial future for the Central Coast.

About Bay Federal Credit Union
Bay Federal Credit Union is a full-service, not-for-profit financial institution that serves over 95,000 members and 2,700 local businesses and nonprofit organizations throughout Santa Cruz, San Benito, and Monterey counties. With more than $1.8 billion in assets, Bay Federal is the largest member-owned financial institution in the region. The organization has been proudly serving its members and the community since 1957. Bay Federal is a certified Community Development Financial Institution, with a primary mission of promoting community development alongside their financial activities. Bay Federal has an award-winning employee volunteer program in which employees have given their own money and volunteer for numerous local schools, nonprofit organizations, and community events each year.

Contact: Mark Ely, SVP, Chief Marketing Officer
Bay Federal Credit Union
831.477.8608
mely@bayfed.com

Bank and Credit Union data compiled from financial data for the period noted, as reported to federal regulators. The financial data obtained from these sources is consistently reliable, although; the accuracy and completeness of the data cannot be guaranteed by BauerFinancial, Inc. Since 1983, BauerFinancial has relied upon this data in its judgment and in rendering its opinion (e.g. determination of star ratings). BauerFinancial, Inc. is not a financial advisor; it is an independent bank research firm. No institution can pay for or opt out of a BauerFinancial rating. Star-ratings are all available for free at bauerfinancial.com.