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  • Live Local, Bank Local.

    Choose Bay Federal Credit Union for your personal
    and business banking needs.

    Join Us Today
  • Walton Light House, Santa Cruz

    Making a Real Difference

    Choose Bay Federal Credit Union for your personal
    and business banking needs.

    Join Us Today
  • Live Local, Bank Local.

    Choose Bay Federal Credit Union for your personal
    and business banking needs.

    Join Us Today
  • Making a Real Difference

    Choose Bay Federal Credit Union for your personal
    and business banking needs.

    Join Us Today
  • Live Local, Bank Local.

    Choose Bay Federal Credit Union for your personal
    and business banking needs.

    Join Us Today
  • Making a Real Difference

    Choose Bay Federal Credit Union for your personal
    and business banking needs.

    Join Us Today
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Bay Federal / SCCECU Merger

Welcome SCCECU Members. Here's how you can get started with your Bay Federal membership.Learn more...

Retirement Investments

Offered through CFS (Member FINRA/SIPC) at Bay Federal.
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Auto Loan Special Offer

Refinance with us and get up to $250 cash back!
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Events Calendar

Upcoming seminars and community events.
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Welcome SCCECU!

Important Information for former SCCECU Members.
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Home Loans that

Make Dreams a Reality

Apply Today!

Choose Bay Federal Credit Union for your personal and business banking needs.

Bank online or at any of our credit union locations throughout Santa Cruz, Monterey & San Benito CA counties.