Bay Federal began originally as a teacher's credit union in 1957. As we celebrate our 50th year, we are offering special mortgages for local teachers! This special lending program was created to provide affordable home loans for teachers in Santa Cruz, Monterey or San Benito counties. Apply today! (PDF)

Making the decision to purchase a home or to update or refinance your current home can be stressful for the whole family. With so many different lenders in the market, finding financing for your dreams can be consuming. You have better things to do!

Bay Federal Credit Union can make the process easy and convenient for you with our new Mortgage Lending website! Apply online with Bay Federal and get decisions in minutes!

There are many scams designed to steal your money and your identity. Please know that your Credit Union will never contact you to verify your personal account information over the phone or through an email communication. Learn more fraud prevention tips!

Many people already lead simple lifestyles and don’t know it. And many of them are millionaires. Proof can be found in the bestselling book, “The Millionaire Next Door” by Thomas Stanly and William Danko. According to the book, their wealth is the result of hard work, perseverance, planning, and most of all, self-discipline.

Want to learn more? Call our Investment Advisors, Gina Bayer and Paul Clark for a complimentary review of your current investments at 831.479.6000.

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)

Check out our great service offerings.

Six Flags Discovery Kingdom in Vallejo and Six Flags Great America in San Jose have partnered with the California Credit Union League and Bay Federal to offer incredible discounts for credit union members.

Print and save!
Discovery Kingdom Coupon
Great America Coupon

Read the Press Announcement (PDF) here.

Open a new account, and get a FREE Grey Bears membership. All members over the age of 55 who open a new account are eligible to receive an annual membership to Grey Bears at no cost!

Learn how Bay Federal has become a local success story. Read more.

Whether you are looking for a new or used car, truck or SUV, we can make shopping for a new vehicle a breeze! Just let our Auto Buying Service Advisor, Darrel Burns, take care of all of the details for you! Learn more.