• Bixby Creek Bridge

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  • Walton Light House, Santa Cruz

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    and business banking needs.

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  • Capitola Village, Capitola, CA

    Live Local, Bank Local.

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  • Beach lined with colorful iceplant

    Making a Real Difference

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    for auto and home loans.

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  • Strawberry Fields, Pajaro Valley

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  • Natural Bridges State Park

    Making a Real Difference

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We're Number One!

Bay Federal is the Best Credit Union to Work For!
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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.