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

New Visa Signature!

From merchandise to travel, there’s a perfect reward for you!

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Happy Visa Signature Shopper

Get $100 Cash Back!*

When you refi your auto loan from another lender with us.

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Two female friends enjoying drinks at the shore

Get a FREE Appraisal*

Rates are low—refi your home loan from another lender today!

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Free Appraisal Q4 2021

Now at Harden Ranch

Visit us at our new Salinas location, Harden Ranch Plaza!

Location Map

Harden Ranch Storefront - Bay Federal Credit Union

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.