x
Fraud Alert - Counterfeit Cashier's Checks

We are aware of an increase in counterfeit cashier’s checks in circulation. These checks often arrive as an unsolicited payment and ask for the recipient to deposit the check and then return to the sender a portion of the funds in direct payment or gift cards. If you receive unsolicited funds, you have likely been targeted for a scam. You can report such fraud to the Federal Trade Commission at ftc.gov or 877.FTC.HELP.

Learn more
  • 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

RV & Motorcycle Loans

$100 cash back when you refi your loan from another lender!*
Learn More
Family playing guitar on the beach with RVs in the background

Tailored Portfolios

Guided, personalized online investing for you.
Learn More
Guided Wealth Portfolios

Get $100 Cash Back!*

When you refi your auto loan from another lender with us.
Learn More
Woman Charging her Electric Car

Insurance Up-To-Date?

Protect yourself from financial loss due to accident or theft.
Learn More
Auto Dash and Steering Wheel

First-Time Homebuyers Program

3% Down and No Closing Costs*

Low, competitive rates | Friendly, fast, local service

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.