x
Important System Maintenance

We are performing important system maintenance on Tuesday, February 19 from 6 PM to 12 AM. During this time, online banking and our mobile app may be intermittently unavailable. Thank you for your patience and understanding!

  • Bixby Creek Bridge

    Live Local, Bank Local.

    Bay Federal Credit Union is your best local option
    for auto and home loans.

    Get Started Get Started
  • Walton Light House, Santa Cruz

    Making a Real Difference

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

    Get Started Get Started
  • Capitola Village, Capitola, CA

    Live Local, Bank Local.

    Bay Federal Credit Union is your best local option
    for auto and home loans.

    Get Started Get Started
  • Beach lined with colorful iceplant

    Making a Real Difference

    Bay Federal Credit Union is your best local option
    for auto and home loans.

    Get Started Get Started
  • Strawberry Fields, Pajaro Valley

    Live Local, Bank Local.

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

    Get Started Get Started
  • Natural Bridges State Park

    Making a Real Difference

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

    Get Started Get Started

Plan Your Retirement

Offered through CFS (Member FINRA/SIPC) at Bay Federal.
Start Planning
Woman on boat smiling and looking out towards ocean

$1000 Off Closing Costs

Special offer when you finance your home with Bay Federal.
Apply Now
1000 Off Closing Costs Q1-2019 (Home 4 Box)

Welcome, Friends!

Get to know more about Bay Federal Credit Union, and our recent announcement!
Special Announcement
Coast-Tel Logo Stack 2

Join Our Team

Come join one of the Best Places to Work in the Bay Area!
Find Out More
Best Places to Work

Refer a friend or family member to refinance their auto loan with us.

Refer a Friend, Get $50!

Click for Details.

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.