Open an Account
Bay Federal Credit Union is a full-service, not-for-profit financial institution that proudly serves a large group of individuals and businesses across the heart of the central coast.
Join Bay Federal Credit Union
Discover the credit union difference!
Open an Account
Members can open a new checking, savings, certificate, or money market account.
Get an Auto Loan
Finance or refinance a car, truck, RV, or other vehicle.
Get a Home Loan
Apply for a mortgage, a home equity line of credit, or refinance.
Borrow Money
Find the best personal loan or line of credit for you.
Get a Credit Card
Apply for a Bay Federal Visa® Credit Card.
Upload Documents
Upload documents to an existing application.
Check Status
Check the status of your application.
Membership Information
As a local, member-owned, not-for-profit financial cooperative, we are passionate about contributing to the community and being an integral part of its incredible story. Whether a community member is looking to buy a home, purchase a car, save some money, or access the latest in banking technology, our local and friendly employees are here to help!
- Do you live, work, worship, or attend school in Santa Cruz, San Benito, or Monterey County?
- Does an immediate family member of yours have an account with Bay Federal?
- Are you a sole proprietorship, partnership, corporation, club, non-profit, or other type of business* physically located or headquartered in Santa Cruz, San Benito, or Monterey County?
Then you’re likely eligible!
Review the documentation required to open a new account and join today!