• 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.

    Get Started Get Started
  • 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.

    Get Started Get Started

Join Our Team

Come join our culture of excellent service, community, and fun!
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Bay Federal employees

New Stimulus Payments

What you should know about the March 2021 round of payments.
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Couple looking at a check

First-Time Homebuyers

Our new program has 3% down payment and no closing costs!*
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Family surrounded by boxes

Loan Payment Options

We have lots of ways for you to make your loan payments!
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Woman with a credit card

Prizes & money saving ideas for kids & teens!

Visit us for Youth Month!

April 1 - 30, 2021

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.