Bay Federal Credit Union

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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.

Tell your car payment we’ll see it next year. 👋While your car keeps doing its job, your payment could take the rest of t...
10/16/2026

Tell your car payment we’ll see it next year. 👋

While your car keeps doing its job, your payment could take the rest of the year off. Refinancing with Bay Federal could mean a more competitive rate, a lower monthly payment, or both.

Visit BayFed.com/enjoy for all the details!

There's a lot of noise in the world. But the credit union mission has always been clear: people helping people. đź’™This In...
10/15/2026

There's a lot of noise in the world. But the credit union mission has always been clear: people helping people. đź’™

This International Credit Union Day, we're celebrating the power of cooperative finance and a shared commitment to putting members first and building stronger communities.

To our members, thank you for believing in a different way to bank. We're proud to be part of a movement that puts people first, today and every day.

Happy International Credit Union Day! 🌎

In observance of Indigenous Peoples’ Day, our branches and call center will be closed on Monday, October 12. Regular hou...
10/09/2026

In observance of Indigenous Peoples’ Day, our branches and call center will be closed on Monday, October 12. Regular hours will resume on Tuesday, October 13.

ATMs, Online Banking, and the BayFed Mobile app remain available 24/7 for your convenience.

We join in recognizing the history, cultures, and contributions of indigenous peoples.

September, you kept us busy. đź’™From the Monterey County Fair and Capitola Beach Festival to celebrating one year in Marin...
10/07/2026

September, you kept us busy. đź’™

From the Monterey County Fair and Capitola Beach Festival to celebrating one year in Marina, showing some love to our business members, and joining the fun at All Star Fest, our team spent the month out and about across our communities.

And that’s only a few of the places we popped up this month.

Thanks to everyone who stopped by, said hello, celebrated with us, and gave us another reason to love being part of this community. Here’s a look back at September! 📸

Homebuying questions? Bring them our way! 🏡Join Bay Federal and United Way Monterey County this Thursday for a free home...
10/04/2026

Homebuying questions? Bring them our way! 🏡

Join Bay Federal and United Way Monterey County this Thursday for a free homebuying workshop designed to help you feel more informed and confident about the process.

đź“… Thursday, October 8
⏰ 5:30–7:00 PM
đź“Ť Community Impact Center, Makerspace
232 Monterey Street, Salinas

We’ll have sandwiches and refreshments. No RSVP is required, but you can submit your questions ahead of time to help shape the conversation around what you want to know most: https://bit.ly/4hVQ7BA

Our Community Giving application is now open! đź“ŁNow through November 15, local schools and youth sports programs in Santa...
10/02/2026

Our Community Giving application is now open! đź“Ł

Now through November 15, local schools and youth sports programs in Santa Cruz, Monterey, and San Benito counties can apply for support from Bay Federal.

Is now not the right time for your request? No worries! We will open up our next application window in Spring 2027.

Learn more and apply: bayfed.com/about-us/community-giving

Bank local. Feel good about it. đź’™This year, Bay Federal has been recognized nationally, locally, and by the people who k...
10/02/2026

Bank local. Feel good about it. đź’™

This year, Bay Federal has been recognized nationally, locally, and by the people who know our community best.

We’re proud of every award, but even more proud of what they represent: people helping people, showing up for our communities, and doing right by our members.

Take a look at what we’ve been celebrating this year in our latest Lookout Santa Cruz article.
https://bit.ly/lookout_banklocal

ONE WEEK FROM TODAY! 🏡Join us for a free homebuying workshop in partnership with United Way Monterey County!Thinking abo...
10/01/2026

ONE WEEK FROM TODAY! 🏡
Join us for a free homebuying workshop in partnership with United Way Monterey County!

Thinking about buying a home? We created a short inquiry form so we can better understand what you want to learn and help guide the conversation around the questions that matter most to you.

Take a look and share your questions with us before the workshop: https://bit.ly/4hVQ7BA

We’ll also have sandwiches and refreshments available. No RSVP is required. We hope to see you there!

For nearly 70 years, Bay Federal has been rooted right here in the Central Coast. If you’re ready for a financial instit...
10/01/2026

For nearly 70 years, Bay Federal has been rooted right here in the Central Coast. If you’re ready for a financial institution that feels a little closer to home, we’ll help make the switch easier. Our switch kit makes it simple to move your direct deposit, automatic payments, and more.

Don’t settle. Choose local. bayfed.com/swtich

Look who made the list again! 👀Bay Federal is nominated for this year’s Lookout List! We were so proud to be named a loc...
09/25/2026

Look who made the list again! đź‘€

Bay Federal is nominated for this year’s Lookout List! We were so proud to be named a local favorite last year, and we’d love your support again.

Cast your vote for BayFed, and while you’re there, show some love to all your favorite local businesses and organizations. thelist.lookout.co.

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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