Jumbo Home Loans

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

Dream Home - Bay Fed Jumbo Loans

Trying to decide which credit card is right for you? With so many options, it can be hard to know where to start. When reviewing your options, consider this: your local credit union passes along profits directly to you through low rates, low fees, and great reward options. Plus, you’re supporting your community instead of a big bank across the country!

Get the convenience of local service and the purchasing power and versatility of Visa!

Features available on all our Credit Cards:

Convenient Access, Local Assistance
24/7 access online with Mobile and Online Banking. You can also talk to a Bay Federal Team Member for personalized assistance; we are based right here in Santa Cruz and Monterey County!

No International Transaction Fees
Find freedom from unnecessary fees when traveling abroad. Avoid international transaction fees by using any Bay Federal Credit Card!

Fraud Prevention Notifications
We monitor your accounts for fraud and unusual activity, and will notify you if we see anything suspicious.

Zero Liability Protection
Report unauthorized charges when you see them and Visa’s Zero Liability Protection ensures you will not be responsible for those unauthorized transactions made in a store, over the phone, or even online.

Contactless and Digital Wallet Enabled
Change the way you pay with the same security as using the chip. You can Tap to Pay in seconds without inserting your card! For even more convenience, add your card to Apple Pay, Google Pay, or Samsung Pay and leave your plastic at home.

What are your Credit Card goals?

Earn Rewards

Visa Signature Rewards

Bay Federal Visa Signature Card Image

Maximize your everyday spending with 1.5 Points on all purchases

Use reward points your way! Redeem for cash back, gift cards, online shopping, travel, and more!

New Cardholder Offer:

25,000 Bonus Points when you spend $2,500 in the first 90 days.

Annual Fee:  $75
(waived for the first year)

Purchase APR: 16.74% Variable Rate


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Very Good to Excellent Credit

Get Cash Back

Visa Gold Plus

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Earn 1% Cash Back on all Purchases. Redeem as soon as you earn!

Get the best of both worlds! A low competitive interest rate and unlimited cash back earnings.

Annual Fee:  $0

Purchase APR: 15.74%
Variable Rate


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Good to Excellent Credit

Save on Interest and Pay Down Debt

Visa Gold

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Transfer high-rate balances from your other credit cards with NO Balance Transfer Fees and our lowest APR!

Balance Transfer APR:13.74% Variable Rate.

Maximize your debt paydown potential with our simple, lowest-rate card.

Annual Fee: $0

Purchase APR: 13.74% Variable Rate


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Good to Very Good Credit

Build Your Credit

Visa Classic

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The best card if you have average credit or are just starting to build your credit, with No Annual Fees!

No score? No problem. Credit lines up to $1,000 with no credit history!

Enjoy complimentary auto rental coverage and travel accident insurance.

Annual Fee:  $0

Purchase APR: 17.99% Variable Rate


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None to Average Credit

Repair Your Credit

Visa Secured Classic

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Get a fresh start and improve your credit when used responsibly. No Minimum Credit Score required for approval.

Monthly reporting to all 3 major credit bureaus, unlike a debit card.

Secured by a fully refundable security deposit.

Annual Fee: $0

Purchase APR: 17.99%
Variable Rate


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Below Average Credit

Build Your Business

Business Visa

Business Visa

Earn 1 point for every $1 spent on all purchases everywhere, every time-no matter how much you spend.

Issue employee cards with individual credit limits at no additional cost.

When your employees spend, your business earns rewards!

New Cardholder Offer:
Earn 2,500 bonus points the first time you use your Business Visa Credit Card.

Easily track expenses and maintain records for tax reporting and other business needs.

Annual Fee: $0

Purchase APR: 13.99% Variable Rate


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Good to Excellent Credit

Credit Card Benefits

Every Bay Federal Visa Credit Card comes with extra privileges.

Choose the best card for you!

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