Bay Federal Credit Union | Making a Real Difference

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Mask Guidelines Changing on June 15

Beginning June 15, if you are fully vaccinated, you are no longer required to wear a mask in our branches. If you have not been vaccinated or are unable to, we request that you still wear a mask. Thank you for your understanding! Your safety is our priority!

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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

Join Our Team

Join our culture of excellent service, community, and fun!

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Bay Federal employees

Refi Your Auto Loan!

Refi your auto loan with us and enjoy no payments for 90 days!*

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First-Time Homebuyers

Our new program has 3% down payment and no closing costs!*

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Get a FREE Appraisal*

Rates are low—refi your home loan from another lender today!

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Apply for a loan or open an account online.

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Convenient. Accessible. Secure.

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.