

Making A Real Difference
When you choose to bank with Bay Federal Credit Union, you make an investment in our community. We are a local not-for-profit financial cooperative, dedicated to making a real difference. We invite you to get to know us better!
We provide personal and business banking services but, unlike a bank, we’re owned by our account-holders — members like you! Our goal is to deliver outstanding service, feature competitive savings yields and loan rates, and offer many low and no–cost services to our members. Our Board of Directors is made up of unpaid volunteers who ensure the safety and stability of Credit Union. Your deposits at Bay Federal Credit Union are federally insured to at least $250,000 per account by the National Credit Union Administration, a U.S. government agency.
Our Credit Union philosophy is “people helping people,” which translates into exceptional service, competitive and affordable financial products, and assistance from staff and management who care about you and our community. For seven consecutive years, 100% of our employees have volunteered in the community. We are an active partner in supporting local schools and charitable organizations. Our free financial education programs help our neighbors get through the tough times and plan for a brighter future.
Our 65,000+ members enjoy a wide variety of products to serve all their financial needs, including:
- Checking, Savings, Money Market, IRAs, and Certificates (CDs)
- New & Used Auto Loans, Personal Loans, and Lines of Credit
- ATM & Visa Check Cards and worldwide ATM Access
- Visa Classic, Gold, and Gold Plus Cards
- Mortgage Loans, Home Equity Lines of Credit and Mobile Homes
- Business Services
- Direct Deposit and Payroll Deduction
- 24–Hour Account Access with BayFedOnline and BayPhone
- Free Bill Pay and eStatements
- Financial Planning through Bay Federal CFS* Investment Services
- Free Financial Counseling and Debt Management Services through BALANCE
Membership is open to anyone who lives, works, worships, attends school, or volunteers in Santa Cruz, Monterey or San Benito Counties. If you would like more information about Bay Federal Credit Union, we welcome the opportunity to help. Visit any of our seven local branches, or our website at www.bayfed.com. We look forward to serving you!
Bay Federal’s first 50 years
Learn how Bay Federal has become a local success story.
View our 50th Anniversary Video…
*Investment Products and Services offered through CUSO Financial Services, L.P. (CFS), an independent broker dealer, are not NCUA/NCUSIF insured, not credit union guaranteed, and may lose value. Financial advisors are employed by Bay Federal Investment Services and registered through CFS. Bay Federal Credit Union is in partnership with CFS. (member FINRA/SIPC).

When you visit us at the Santa Cruz Business Fair at booths 60 and 61, be sure to ask us how to make smart retirement plan decisions during times of transition.

Bay Federal Credit Union
3333 Clares Street
Capitola, CA 95010
831.479.6000
888.4BAYFED
http://www.bayfed.com