We Do Home Loans

Affordable options and rates for home loans. Get Preapproved!

Bay Federal Credit Union Does Home Loans

Give a Hoot for Savings - Youth Month - 2017

Celebrate Youth Financial Literacy in April!

Give a Hoot About Saving!

Now through April 30, 2017 at all Bay Federal Credit Union branches

Kids and teens ages 0-17 are invited to save money and win prizes during Youth Financial Literacy Month! Visit your favorite Bay Federal branch during the month of April for fun, prizes, and free financial education resources.

  • Enter the Youth Saving Challenge for a chance to win up to $100!
  • Enter the Give a Hoot coloring contest for a chance to win $25!
  • Daily Kids cash give-away - One youth account-holder will be chosen at random ever day in April to receive a $10 deposit to their Bay Federal savings account!
  • Extra prizes and fun at all Bay Federal branches during Youth Week, April 24-29!

Prizes and fun – for free? What’s the catch?

There is no catch! At Bay Federal Credit Union, we know that good saving habits are essential for a healthy financial future. That’s why we promote saving during National Financial Literacy Month and all year long!

Please Help Us Spread the Word!

National Financial Literacy Month is a great opportunity for parents to teach their children about saving money. Please spread the word about this fun event to families in our community. For more information, visit any Bay Federal branch or contact Tiffany Zachmeier, C.E.P.F.® Financial Education, at 831.479.6000, extension 414, or tiffany@bayfed.com.

National Youth Saving Challenge - Rules

The National Youth Saving Challenge is open to all minor children, age 17 and younger, who visit Bay Federal Credit Union or another participating credit union and submit a completed entry form from April 1-30, 2017. While eligible minors are encouraged to make a deposit at the credit union, no deposit is required to enter. Limit one entry per eligible child per day. This contest is void where prohibited. Entries must be made during the minor child’s visit to the participating credit union. If a child is unable to visit a participating credit union from April 1 through 30, the child’s parent or legal guardian may complete an entry form on the child’s behalf or write the child’s first and last name, age, phone number, and mailing address on a 3”x5” piece of paper and send it to:

Bay Federal Credit Union
Attention: Financial Education
3333 Clares Street
Capitola, CA 95010


In May, 2017, The Credit Union National Association (CUNA) will randomly select and give twenty five (25) $100 awards to 25 participating credit unions. Each of these 25 credit unions will then randomly select a winner from its entrants.

Bay Federal Credit Union will notify you if you are a winner of this prize.

Bay Federal Credit Union will select up to five (5) additional prize winners at random from all entries received at Bay Federal Credit Union branches during the month of April, 2017.

The following are the value of each prize to be awarded and the number of each available:

  • One (1) prize worth $100
  • One (1) prize worth $75 each
  • One (1) prize worth $50 each
  • Two (2) prize worth $25 each

Bay Federal Credit Union reserves the right to substitute a prize with another prize of equal value. Individual winners may win more than one prize.

The odds of winning will depend on the number of entries received. Winners will be contacted at the phone number listed on the winning entry blank, and a check for the amount of the prize will be mailed to the winner at the address provided by the winner or their parent/legal guardian. If the winner or their representative cannot be contacted within a reasonable period of time, the winner will forfeit the prize and Bay Federal Credit Union may select a different winner. A list of the winners will be posted on or after May 15, 2017 on the Bay Federal Credit Union website, www.bayfed.com.

Daily Kid’s Cash Giveaway

From April 1 through April 30, 2017, one Bay Federal Credit Union youth member will be chosen at random to win a daily cash prize of $10. There is no purchase or deposit necessary, and this giveaway is void where prohibited.

To be eligible for the Daily Kid’s Cash Giveaway, you must meet these requirements at the time you are chosen to be a winner:

  • You must be 0-17 years of age.
  • You must be the primary accountholder of a Bay Federal Credit Union Membership Savings Account that is open and active.

One winner will be chosen to receive the $10 prize each day during April 2017. Winners may only win one time. If a winner is chosen a second time, they will be disqualified and a new winner be chosen.

A check for $10 will be mailed to each eligible winner at the address of record within 10 business days of winner selection. Checks that are lost in the mail, stolen, or not negotiated (cashed) within 90 days of the check issue date will be void and will not be replaced.

mobile apps