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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

Local Home Loans

Loan Amounts up to $1,500,000.
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Home Loans - Purchase or Refinance

Jumbo Loans

Get the home of your dreams with Bay Federal Home Loans!
Find Out More

Retirement Investments

Offered through CFS (Member FINRA/SIPC) at Bay Federal.
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Gift Card

In the Community

100% commitment to volunteering in our community since 2002.
View Community Involvement
Refinance your auto loan with Bay Federal Credit Union and SAVE!

$100 Cash Back!

Refinance your auto loan with us!

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.