• Bixby Creek Bridge

    Live Local, Bank Local.

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

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  • Walton Light House, Santa Cruz

    Making a Real Difference

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

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  • Capitola Village, Capitola, CA

    Live Local, Bank Local.

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

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  • Beach lined with colorful iceplant

    Making a Real Difference

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

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  • Strawberry Fields, Pajaro Valley

    Live Local, Bank Local.

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

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  • Natural Bridges State Park

    Making a Real Difference

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

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Come join one of the Best Places to Work in the Bay Area!
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Refinance and Save!

No payments for 90 days* when you refinance your auto loan.
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Visit us for Youth Week!

Prizes & money saving ideas for kids & teens - April 22-27!
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Shop Safely Anywhere

Safe, secure shopping with your Bay Federal Visa Card!
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Get a $500 Visa Gift Card!

When you Buy or Refi Your Home

Finance with us and receive a $500 Visa gift card for your first home improvement project!*

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.