Home Buying Resources - Bay Federal Credit Union

Fraud Alert: Spoofing and Scam Calls

We are aware of recent reports of scam attempts targeting Bay Federal members. These scams may involve phone calls or messages that appear to come from Bay Federal Credit Union, asking members confirm transactions and provide personal or account information, including one-time PINs, online banking credentials, or other sensitive details.

Please remember:
Bay Federal employees will NEVER ask you to share your online banking password, one-time PINs, or full card numbers over the phone, via text, or by email.

If you receive a suspicious call, message, or email:

Do not respond or provide any information.
Hang up immediately if you’re on a call.
Contact us directly at 831.479.6000 or toll-free at 888.4BAYFED to verify and report the incident.

Your security is our priority. Learn more about how you can protect your account and information against Spoofing.

Member Account Verifications

The Supervisory Committee has engaged CliftonLarsonAllen, LLP Certified Public Accountants to complete the annual audit of Bay Federal Credit Union.

The Supervisory Committee has engaged CliftonLarsonAllen, LLP Certified Public Accountants to complete the annual audit of Bay Federal Credit Union.

In conjunction with the audit, the auditors will select a sample of members’ share and loan accounts to verify account balances directly with the account owner by letter. If your account has been selected as part of the auditing process, you will receive a letter from CliftonLarsonAllen, LLP requesting information on a designated account. Members with multiple accounts may receive more than one letter.

Letters will come from the Minneapolis Service Center of CliftonLarsonAllen via US mail. Members will not be asked to verify their account information by any other means, including electronic.

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Home Buying Resources

Get Pre-Approved Returning Applicants Today's Rates Contact Us

Gather Knowledge

6 Steps to Buying a Home

6 Steps to Buying a Home

Start the path to home ownership on the right foot, get organized, and even save money.

Identify Your Wants and Needs

Identify Your Wants and Needs

Use this printable worksheet to figure out what you really want and how you can be flexible.

What Documents You'll Need

What Documents You'll Need

Use this printable checklist to keep track of the documents you need for your loan application.

How the Loan Process Works

How the Loan Process Works

Here's a breakdown of the 30-day home loan process, from application to funding.

Find the Right Loan for You

Find the Right Loan for You

Everyone's situation is different. That's why Bay Federal offers an array of Home Loans solutions.

Real Estate Owned Properties

Real Estate Owned Properties

Bay Federal Credit Union may have properties that are proceeding to foreclosure auction.

Which Loan is Right for You?

Which Loan is Right for You?

Calculators

Calculators

FAQs

FAQs

Mortgage Education

Pre-Approval

Home Loans for California

If you would like a Bay Federal Home Loan Consultant to contact you, please submit the following information. Please know we can only assist with home purchases in the state of California.

Attention: You are leaving the Bay Federal Credit Union website

You will be redirected to a website outside of the Bay Federal Credit Union website and entering a website hosted by another party. The linked website is not operated by Bay Federal Credit Union. Bay Federal Credit Union is not responsible for the content or availability of the linked website. Bay Federal Credit Union does not represent the operator of the linked website, the member, or any other users if the two enter into a transaction. Privacy and Security Policies of the linked website may differ from those of Bay Federal Credit Union.