Please enable JavaScript on your browser to view this site correctly.
  • Live Local, Bank Local.

    Choose Bay Federal Credit Union for your personal
    and business banking needs.

    Join Us Today
  • Walton Light House, Santa Cruz

    Making a Real Difference

    Choose Bay Federal Credit Union for your personal
    and business banking needs.

    Join Us Today
  • Live Local, Bank Local.

    Choose Bay Federal Credit Union for your personal
    and business banking needs.

    Join Us Today
  • Making a Real Difference

    Choose Bay Federal Credit Union for your personal
    and business banking needs.

    Join Us Today
  • Live Local, Bank Local.

    Choose Bay Federal Credit Union for your personal
    and business banking needs.

    Join Us Today
  • Making a Real Difference

    Choose Bay Federal Credit Union for your personal
    and business banking needs.

    Join Us Today

Retirement Investments

Offered through CFS (Member FINRA/SIPC) at Bay Federal.
Find Out More

Jumbo Loans

Get the home of your dreams with Bay Federal Home Loans!
Find Out More

Payments at the ATM

Link loans and multiple accounts to a single debit card.
Learn More

Join Our Team

Life is short, work somewhere awesome!
Find Out More
BEST Move_HWP

Make Your Next Move the BEST Move.

Up to $2,000 off Closing Costs!

Click for details.

Choose Bay Federal Credit Union for your personal and business banking needs.

Bank online or at any of our credit union locations throughout Santa Cruz, Monterey & San Benito CA counties.