First-Time Homebuyers

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

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Visa Classic

  • No Annual Fee
  • Low Variable Interest Rates
  • Auto Rental Insurance
  • Travel and Accident Insurance

Visa Classic Benefits Disclosure

Get the convenience you deserve with a Bay Federal Visa Classic Credit Card! Enjoy having the purchasing power and versatility of Visa at your fingertips. Visa is accepted widely around the world at merchants displaying the Visa logo. A great starter card!

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Visa Gold

  • No Annual Fee
  • Low Variable Interest Rate
  • Travel and Emergency Assistance
  • Warranty Manager
  • Visa Assistance Center
  • Auto Rental Insurance

Visa Gold Benefits Disclosure

With many of the perks of the Visa Classic Credit Card, the Visa Gold Credit Card from Bay Federal adds even more to a convenient card accepted around the world at merchants displaying the Visa logo.The warranty manager includes warranty registration, extended warranties, and service agreements, and the Visa Assistance Center help you coordinate medical and legal emergencies away from home!

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Visa Gold Plus Credit Card Thumbnail Image

Visa Gold Plus

  • No Annual Fee
  • 1% Cash Rebate on Purchases
  • Low Variable Interest Rates
  • Lost Luggage Reimbursement
  • Purchase Security Protection
  • Auto Rental Insurance
  • Travel Accident Insurance
  • Travel and Emergency Assistance
  • BayREWARDS Program
  • And more!

BayREWARDS-Visa Gold Plus

VISA Gold Plus Benefits Disclosure

No annual fee AND, the Visa Gold Plus Credit Card pays you back. With all the benefits of a Visa Gold Credit Card, plus an annual 1% cash rebate* on all purchases, this is one of our most popular cards!

To redeem your BayREWARDS points, login to your Bay Federal Online Banking account, choose “BayRewards” from the main menu, then select your card from the list provided.

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*Net-credit purchases made from February 1 through January 31 of the following year are eligible for a 1% annual cash rebate deposited to your membership savings account. Rebate paid to members in good standing. Please see our Federal Truth-in-Lending Account Agreement and Disclosure Statement for full details.

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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. Read the fine print.

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.
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