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.

Through some of life's most challenging seasons, having the right support makes all the difference.Caring for aging pare...
06/24/2026

Through some of life's most challenging seasons, having the right support makes all the difference.

Caring for aging parents comes with real financial decisions. Our LPL Financial Advisors can help you build a clear plan that protects your family and your future, without losing sight of either.

Caring for aging parents often means navigating new financial choices — from healthcare needs to long‑term planning. You don’t have to sort through it alone.

Our LPL Financial Advisors can help you coordinate your parents’ needs with your own long‑term goals so you can support both with confidence.

📅 Schedule a complimentary review: https://www.bayfed.com/investments/investment-services-contact-form

Still paying your old lender's rate? Auto rates have changed, and that could mean real savings for you.Refinance your el...
06/22/2026

Still paying your old lender's rate? Auto rates have changed, and that could mean real savings for you.

Refinance your eligible auto loan with Bay Federal Credit Union and you could score a more competitive rate, a lower monthly payment, or both!

Learn more: bayfed.com/enjoy 🚗

A special congratulations to Angel, our Elementary School Sticker Contest winner! His creative design earned a $1,000 do...
06/22/2026

A special congratulations to Angel, our Elementary School Sticker Contest winner! His creative design earned a $1,000 donation to Calabasas Elementary School, 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 to see their designs! 💫

Our branches and call center will be closed on Friday, June 19, in observance of Juneteenth. 💛Regular hours will resume ...
06/17/2026

Our branches and call center will be closed on Friday, June 19, in observance of Juneteenth. 💛

Regular hours will resume on Saturday, June 20!

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 reflect on this important day!

We’re hiring a Deposit Operations Specialist I!This role helps support deposit account maintenance, transaction processi...
06/15/2026

We’re hiring a Deposit Operations Specialist I!

This role helps support deposit account maintenance, transaction processing, account research, and internal team support.

Join a local, member owned credit union that has been serving Santa Cruz, Monterey, and San Benito counties since 1957, with great benefits, career development opportunities, and a team that cares about our community. 💙

Apply today at https://secure7.saashr.com/ta/6206793.careers?CareersSearch=&lang=en-US.

06/11/2026

He said what he said. Auto rates are down 0.25%, and refinancing from another lender could get you $200 cash back*.

*Learn more: bayfed.com/enjoy

Federally insured by NCUA. Subject to credit approval. Terms and conditions apply. 🚗

We were proud to be part of yesterday’s Pride Parade! 🌈Thank you to everyone who came together to celebrate love, belong...
06/08/2026

We were proud to be part of yesterday’s Pride Parade! 🌈

Thank you to everyone who came together to celebrate love, belonging, and community. What a beautiful day to share in!

A little caution can go a long way when it comes to protecting your finances. Scammers are getting smarter, but staying ...
06/08/2026

A little caution can go a long way when it comes to protecting your finances. Scammers are getting smarter, but staying alert, asking questions, and taking a moment before you click can make all the difference.

Helpful reminder from our LPL Financial Advisors: when something feels off, it is always okay to pause and verify. 🔒

Financial scams are everywhere, but a few simple steps can help keep your information safe:

🔒 Don’t share personal details over email or text
📱 Turn on multi‑factor authentication
🧾 Check your accounts regularly
🎣 Watch out for suspicious links or messages

If something doesn’t feel right, our LPL Financial Advisors are here to help you stay informed and confident.

📅 Schedule a complimentary review: https://www.bayfed.com/investments/investment-services-contact-form

Another summer, another David Lyng Real Estate Golf Tournament, and we wouldn’t have it any other way! ⛳We’re proud to s...
06/05/2026

Another summer, another David Lyng Real Estate Golf Tournament, and we wouldn’t have it any other way! ⛳

We’re proud to support an event that brings people together for a greater cause. Thank you to the David Lyng team for hosting another wonderful community tradition.

06/04/2026

Meet Anahi, one of our scholarship winners this year! 🏅 We asked applicants to submit a video focused on financial wellness topics such as budgeting, credit, and scam prevention. Please enjoy Anahi's video on credit and join us in congratulating her on this accomplishment!

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

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