Jumbo Home Loans

Our Jumbo Loan rates have never been lower!* Learn more

Dream Home - Bay Fed Jumbo Loans

Choose the Card that is Best for You

Gold Plus 

VISA Assistance Center

Global Customer Assistance Services- Cardholder Inquiry Service, Emergency Card/Cash Disbursement, Lost/Stolen Card Reporting, Cardholder Inquiry Service

Auto Rental Collision Damage

Extended Warranty Protection


Purchase Security Protection


Lost Luggage


Travel Accident $250,000


Travel Accident $400,000


Travel and Emergency Assistance


Trip Cancellation/Trip Interruption


Cellular Telephone Protection


Roadside Dispatch


Ride Share Protection- with AME Medical


Emergency Medical and Dental Coverage


Emergency Evacuation


Trip Delay Reimbursement


Return Protection


Visa Gold Plus – BayRewards

1% Cash Back* on Purchases



Luxury Hotel Collection





Travel, Entertainment, Fine Wine & Dining, Shopping, Sports


Visa Signature – BayRewards

Rewards and Cash Back Option*


ID Navigator powered by NortonLifeLock


*Net credit purchases. Deposited to savings or checking account. Rebate paid to members in good standing. For full details, please see our Visa Gold Plus or Visa Signature BayRewards Terms and Conditions.

View Rates Apply Now

Bay Federal Credit Union believes in making a real difference in the financial lives of our members, and our line of Visa Credit Cards are designed with that in mind. In addition to the benefits listed above, our cards have a grace period of at least 21 days before interest is charged on purchases. For full disclosures and important information, please read the Account Agreement and Disclosure associated with your particular card.

Bay Federal is also committed to making online shopping safe for our members through Visa Secure, the safe way to add additional protection to your online shopping experience when you use your Visa credit or debit card. It is convenient, easy to activate, and the service is entirely free.

Visa Secure includes:

  • verified by visaAccess to special offers and discounts from hundreds of participating online merchants.
  • No additional fees for Visa Secure protection and it's a free service designed to protect you from fraud.
mobile apps