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Making a
Real Difference

Whatever your financial goals are today,
we are here to help you succeed.

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How can we help you today?

Refinance

$100 cash back when you refi your loan from another lender!*

Insurance

Protect yourself from financial loss due to accident or theft.

Local

In person or online, the BayFed vibe is real. Bank with a credit union you can trust.

Mortgage

First-Time Homebuyers: 3% Down and No Closing Costs*

Investments

Tailored Portfolios – Guided, personalized investing for you.

Great Rates*

Bay Federal Credit Union offers great low rates for all of our loans and mortgages! Contact your local branch today to find your personalized rate for what you need!

Auto Loans starting at

3.74 %^* apr

Mortgages starting at

4.29 %^* apr

Motorcycle Loans starting at

4.75 %^* apr

View All Rates

*All loans and mortgages have their own requirements to achieve these rates. All rates will be personalized for YOU based on your credit score and debt to income ratio.

Download BayFed Mobile

Check balances and recent transactions
Transfer funds
Deposit checks* with your smartphone
Make payments to your loans, credit card, and lines of credit

Financial Wellness

Get on track with your finances to start living your best life. We’re here to help you every step of the way, from paying down debt to saving for your future.

Community Updates

Volunteer with the Children's Miracle Network

May 01 - May 31, 2022

Join us as we raise funds for our regional Children’s Miracle Network Hospital, where 100% of the money will go to help sick children in our communities. Donate in our branches or online!

Redwood Mountain Faire

June 04 - June 05, 2022

Dance the day away to live music with your friends and family while enjoying locally made food and cold beer in an open field in the Santa Cruz Mountains. Join us for a weekend-long music and arts festival that benefits local service organizations and celebrates community.

View our calendar of Events

See how you can get involved with BayFed in the community! We’re always looking for ways to volunteer, participate, or donate to give back to our community.

All Community Posts