We Do Home Loans

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Bay Federal Does Home Loans

Membership with Bay Federal Credit Union includes a complimentary, no-obligation consultation with Gina Bayer, Sam Solgan, or Kevin Penrose, our experienced CFS* Investment Team. Whether you are just beginning to invest, looking to assess your retirement savings or investments, or getting ready to move on to retirement, Gina, Sam, and Kevin can help customize investment solutions to help you achieve your short-term and long-term goals.

Make a difference in your financial life. Schedule a no-obligation consultation today!     Make an Appointment


Gina Bayer Gina Bayer
CFS* Investment Advisor
At Bay Federal Credit Union
831.479.6000 or 888.4BAYFED, option 7
Securities: AL, AZ, CA, CO, CT, FL, HI, ID, MT, 
Insurance: CA (#0B47344), ID, OR, NY, NV


Kevin Penrose Kevin Penrose
CFS* Registered Financial Assistant
At Bay Federal Credit Union
831.479.6000 or 888.4BAYFED, option 7
Securities: CA
Insurance: CA (#0B81534)

 Sam Solgan Sam Solgan 
CFS* Associate Investment Advisor 
At Bay Federal Investment Services
831.479.6000 or 888.4BAYFED, option 7
Securities: CA, CO
Insurance: CA (#0I32797)


Check the background of these investment professionals on FINRA’s BrokerCheck.


*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Bay Federal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

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