First-Time Homebuyers

Our new program features a 3% down payment and no closing costs!* Learn more

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Bay Federal has several different ways for you to make a loan payment. Whether we are your primary financial institution, or you just have a loan with us, or anywhere in between, we have a way for you to quickly and easily make your loan payment.

 

  Description Fee
Processing Time
Payment Methods
Transfer from a BayFed Account Use "Make a Transfer" in BayFedOnline or the BayFed Mobile app $0 Instant Electronic transfer
Transfer from Another Financial Institution Using BayFed Online or the BayFed Mobile App
Use "Make a Loan Payment" in BayFedOnline or "Pay Loan From My External Account" in the BayFed Mobile app $0 2-3 business days. Please allow 4-6 business days for first-time payments from any new external accounts.
Electronic transfer
Automatic Payments Use the "Pay" option in BayFedOnline or the BayFed Mobile app, call the Member Service Center, or speak to a lending officer or branch staff to set up $0 Same day from a BayFed account; 2-3 days from an external account Electronic transfer
WebPay
Use the WebPay portal to make quick and easy payments from another financial institution or credit card $4.95 per transaction Same day that the payment is received, excluding weekends and holidays Electronic transfer, credit card
Member Service Call Center Call to make a payment with a local Member Services Representative Varies Instant Electronic transfer, credit card
Mail Mail your payment to us $0 Same day that the payment is received Check
Branch Make a payment in person $0 Instant Check, cash, credit card

 

Have any questions? Read below, visit any of our branches, or call our local Member Service Center at 831.479.6000 or toll-free at 888.4BAYFED, option 3.







Ways to Make Your Loan Payments

  • Transfer from a BayFed Account

  • Transfer from Another Financial Institution

  • Automatic Payments

  • WebPay

  • Member Service Call Center

  • Mail in Your Payment

  • Go into a Branch

mobile apps