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  • 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

90 Days No Payments*

When you refinance your auto loan from another lender with us.
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90 Days No Payments

Retirement Planning

Offered through CFS (Member FINRA/SIPC) at Bay Federal.
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Retirement Planning

Storm Relief

Donate to the American Red Cross' disaster relief efforts.
Donate Now

Celebrating 60 Years!

Making a real difference in our community since 1957.
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Finance with Bay Federal Credit Union and Get a FREE Appraisal!*

Welcome Home

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.