• 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

Get a FREE Appraisal*

Finance with Bay Federal and Get a FREE Appraisal!*
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Get a FREE Appraisal from Bay Federal Credit Union!*

Retirement Planning

Offered through CFS (Member FINRA/SIPC) at Bay Federal.
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Retirement Planning

Celebrate Youth Week!

Visit your favorite branch for fun and prizes, April 23-30!
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Discover the Science of Saving!

Visa Debit - Just Right.

Use your Visa® Debit card for every little thing you need.
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VISA Debit - Great for the little things in life

Refinance your auto loan from another lender with us!*

90 Days, No Payments

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.