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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Man and woman enjoying their new home

2020 Scholarship

Win $1,500 for school! Apply for our 2020 Education Scholarship.

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Get Paid to Shop

Use your Visa^® credit card this season for a chance to win!*

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$100 Cash Back, 90 Days No Payments!*

Road Trip Happy

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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.