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Affordable options and rates for home loans. Get Preapproved!

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$1,000 Off Your Closing Costs

Finance with Bay Federal and get $1,000* off your closing costs!

When you apply for a home loan with Bay Federal, rest assured you are supporting our local community. In addition to great, friendly service, we offer competitive rates on a wide variety of mortgage products, both for purchases and refinancing in California. 

We encourage you to learn more about Bay Federal and our products and services by visiting any of our 6 convenient branches throughout Santa Cruz County. You may also apply online and get pre-approved!




*Offer available on  home purchases and  refinances from  another financial institution. $1,000 off closing costs will be credited at the close of escrow. Available on owner occupied, real property, first mortgages only. All loans subject to approval of credit, income verification and property valuation. Minimum loan amount of $250,000 required. Loan application must be dated on or after October 1, 2017, and loan funded no later than February 15, 2018. Bay Federal Credit Union membership required at the time of closing. Refinances of current Bay Federal loans are not eligible for this offer. For more information, visit any Bay Federal Credit Union branch or call a Bay Federal Mortgage Loan Officer at 831.479.6000 or toll-free at 888.4BAYFED, ext. 304.

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