Bay Federal Credit Union

Bay Federal Credit Union Bay Federal Credit Union is a full-service, not-for-profit financial cooperative. Bay Federal Credit Union is federally insured by the NCUA.
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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 be better than a bank by delivering outstanding service, competitive savings yields, low loan rates, and many low and no-cost services. Our Board of Directors is made up of unpaid volunteers who oversee the strategic direction of the credit union, always with

the safety and security of your money as the number one priority. Membership is open to those connected with the Tri-County area — anyone who lives, works, worships, attends school, or volunteers in Santa Cruz, Monterey or San Benito Counties may join us. We welcome your feedback, but comments that include profanity, slander, spam-like content, or are unrelated to the topic may be hidden or removed in accordance with our community guidelines. For account-related help, please contact our Member Services team directly.

We have another weekly winner in our Soccer Experience Sweepstakes! ⚽A big congratulations to this week's winner! We wil...
06/01/2026

We have another weekly winner in our Soccer Experience Sweepstakes! ⚽

A big congratulations to this week's winner! We will be reaching out soon with details about the prize.
And there's even more exciting news: we're heading into the FINAL WEEK of the sweepstakes, and we've added Gilroy Gardens tickets to the prize lineup courtesy of Growing Up in Santa Cruz!

Who will be our next winner? It could be you! Opt in today at bayfed.com/soccer.

The balloons are up, the branches are decorated, and the final week to give is here! 💛Bay Federal’s Children’s Miracle N...
05/23/2026

The balloons are up, the branches are decorated, and the final week to give is here! 💛

Bay Federal’s Children’s Miracle Network Fundraising Month is a tradition our community shows up for year after year, and there is still time to be part of it.

Stop by your local branch before May 31 to make a donation, add your name to a CMN balloon, and help support local children’s healthcare!

A special New York moment for our inspirational leader!Carrie Birkhofer, president and CEO of Bay Federal Credit Union, ...
05/22/2026

A special New York moment for our inspirational leader!

Carrie Birkhofer, president and CEO of Bay Federal Credit Union, was already in New York for a very special family visit when her trip became even more memorable: Nasdaq shared a congratulatory message in Times Square honoring her 2026 Silicon Valley Business Journal Woman of Influence award.

What a special way to celebrate Carrie and this well-deserved recognition of her leadership, community impact, and dedication to the Bay Federal community!

Our branches and call center will be closed on Monday, May 25, in observance of Memorial Day.🇺🇸Regular hours will resume...
05/22/2026

Our branches and call center will be closed on Monday, May 25, in observance of Memorial Day.🇺🇸

Regular hours will resume on Tuesday, May 26. As always, ATMs, online banking, and the BayFed Mobile app are available to serve you 24/7.

Thank you as we take time to honor and remember those who made the ultimate sacrifice for our country. ❤️

A special congratulations to Josiah, our High School Sticker Contest winner! His creative design earned a $1,000 donatio...
05/21/2026

A special congratulations to Josiah, our High School Sticker Contest winner! His creative design earned a $1,000 donation to John Muir Charter School at Rancho Cielo, and we are so excited to celebrate this awesome achievement.

Thank you to everyone who participated. We sure have a lot of talented young artists in our community! Stick around for more! 💫

Congratulations to Alicia Flores, our VP of Member Services!Alicia was recognized last night by the Volunteer Center of ...
05/21/2026

Congratulations to Alicia Flores, our VP of Member Services!

Alicia was recognized last night by the Volunteer Center of Santa Cruz County at their Be the Difference Awards, celebrating the people who go above and beyond to make our community stronger.

We are so proud to see Alicia honored for the care, leadership, and heart she brings to our members and community every day. Congratulations, Alicia! 💙

Ready to kick-start your career with real-world experience in a supportive team environment? Bay Federal Credit Union is...
05/18/2026

Ready to kick-start your career with real-world experience in a supportive team environment? Bay Federal Credit Union is hiring student interns!

Join us this summer to learn, grow, and make a meaningful impact in our local community. Explore opportunities and apply today: https://www.bayfed.com/about-us/careers. 📚

We have our THIRD weekly winner from our soccer experience competition!Drum roll please.....Congratulations, Sherrie K.!...
05/18/2026

We have our THIRD weekly winner from our soccer experience competition!

Drum roll please.....

Congratulations, Sherrie K.! We will be reaching out to you soon with details about what you’ve won!
Who will be our next weekly winner? It could be you! Opt-in today at bayfed.com/soccer.

We were honored to attend the 18th Down to Earth Women’s Luncheon. 🌱This event brings together hundreds of women in supp...
05/16/2026

We were honored to attend the 18th Down to Earth Women’s Luncheon. 🌱

This event brings together hundreds of women in support of programs that help agriculture education, future leaders, and local students grow. Thank you to the organizers, sponsors, and attendees who continue to make this luncheon such a special tradition.

Calling all local businesses! Want to get your business seen while supporting a meaningful cause? Make a donation to Chi...
05/15/2026

Calling all local businesses! Want to get your business seen while supporting a meaningful cause?

Make a donation to Children’s Miracle Network at your local Bay Federal branch, and we’ll display your business on our branch television screens through the end of June. It’s a great way to advertise your business to local members while helping support children and families in our community. 💛

Address

3333 Clares Street
Capitola, CA
95010

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 10am - 5pm
Thursday 9am - 5pm
Friday 9am - 6pm
Saturday 9am - 3pm

Telephone

+18314796000

Website

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