Bay Federal Credit Union | Making a Real Difference

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Live Local, Bank Local.

Bay Federal Credit Union is your best local option
for auto and home loans.
Get Started Get Started
Making a Real Difference

Choose Bay Federal Credit Union for your personal
and business banking needs.
Get Started Get Started
Live Local, Bank Local.

Bay Federal Credit Union is your best local option
for auto and home loans.
Get Started Get Started
Making a Real Difference

Bay Federal Credit Union is your best local option
for auto and home loans.
Get Started Get Started
Live Local, Bank Local.

Choose Bay Federal Credit Union for your personal
and business banking needs.
Get Started Get Started
Making a Real Difference

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

We're Number One!

Bay Federal is the Best Credit Union to Work For!

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Best Credit Union to Work For

Get a FREE Appraisal*

Available on home purchases up to $3,000,000.*

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Shop Safely Anywhere

Safe, secure shopping with your Bay Federal Visa Card!

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Visa Card Security

$100 Cash Back, 90 Days No Payments!*

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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.