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.

Snacks packed. ✅ Playlist ready. ✅ Full tank?Before you hit the road this Labor Day weekend, make sure your Coastal Cash...
09/02/2026

Snacks packed. ✅ Playlist ready. ✅ Full tank?

Before you hit the road this Labor Day weekend, make sure your Coastal Cash is coming with you. ⛽

All the details at bayfed.com/coastalcash.

Fire and storm season can bring everything from road closures and power outages to evacuation costs and missed work.In o...
08/28/2026

Fire and storm season can bring everything from road closures and power outages to evacuation costs and missed work.

In our latest Lookout article, we share four financial steps you can take now to help protect your budget, your important documents, and your peace of mind.

Read more and get financially prepared for the season ahead. 💙

Natural disasters have a way of disrupting more than the forecast.   Here on the central coast, wildfire, heavy rain, flooding, fallen trees, road closures, and power outages can quickly affect where we live, how we get to work, and our expenses.  We have seen just how quickly that can happen. Yo...

A new place to play, connect, and make memories in Capitola. 🌳💙Bay Federal is proud to sponsor the game table at Treasur...
08/27/2026

A new place to play, connect, and make memories in Capitola. 🌳💙

Bay Federal is proud to sponsor the game table at Treasure Cove Playground at Jade Street Park. We love supporting spaces that give families and neighbors more ways to spend time together and enjoy our community.

We’re excited to see this new playground come to life and become a favorite gathering place for years to come!

We were proud to roll up our sleeves alongside hundreds of volunteers for Rancho Cielo Youth Campus Veggie Box fundraise...
08/26/2026

We were proud to roll up our sleeves alongside hundreds of volunteers for Rancho Cielo Youth Campus Veggie Box fundraiser! 🥕🥬
 
Over two half-day packing events, the community came together to pack roughly 17,000 boxes, with every box sold supporting Rancho Cielo’s programs and helping families in need through local nonprofit partners. 💚

Calling all CRM builders. 👀Bay Federal is looking for a CRM Product Manager who sees a platform and immediately starts t...
08/19/2026

Calling all CRM builders. 👀

Bay Federal is looking for a CRM Product Manager who sees a platform and immediately starts thinking about what else is possible.

You’ll lead our CRM strategy, help expand how we use Creatio, and work across the Credit Union to bring thoughtful technology solutions to life.

If CRM, AI, automation, and solving complex problems are your thing, we’d love to meet you.
Take a look at the role, or share it with someone who should: www.bayfed.com/about-us/careers

08/17/2026

Your first credit card is an exciting milestone, and you don't have to figure it all out on your own. 🤩

Bay Federal offers tools and resources to help you better understand and manage your credit:
• SavvyMoney to monitor your credit score
• Account Alerts to help you stay on top of important account activity
• GreenPath Financial Wellness for free financial education and counseling

Easy to access through Bay Federal's Mobile app and Online Banking, these resources are available whenever and wherever you need them.

It’s chic to watch football. 🐾  Last weekend we had such a fun day connecting with our community, cheering on the Monter...
08/15/2026

It’s chic to watch football. 🐾

Last weekend we had such a fun day connecting with our community, cheering on the Monterey Bay F.C. match, and enjoying all the four-legged fans in attendance. Thanks to everyone who stopped by and made the day so special!

Our thoughts are with everyone affected by the Timber Fire and the Big Sur community during this difficult time.We are d...
08/14/2026

Our thoughts are with everyone affected by the Timber Fire and the Big Sur community during this difficult time.

We are deeply grateful to the firefighters, first responders, volunteers, and community organizations working to protect lives, homes, businesses, and the place so many of us love.

For those looking for a way to help, the Community Foundation for Monterey County has activated the Monterey County Fire Relief Fund to support those impacted and the community’s recovery efforts.

People Helping People is at the heart of who we are. Bay Federal is thinking of our members, neighbors, and everyone affected. ❤️ Support the Monterey County Fire Relief Fund: https://give.cfmco.org/campaign/831676/donate

08/13/2026

Could you be overpaying for your car? 🫠 Refinancing your auto loan could lower your monthly payment and save you hundreds over the life of the loan.

•90 days of no payments*
•Competitive rates
•Great service from a local, trusted credit union

*More info at BAYFED.COM/REFI

Federally insured by NCUA.

08/10/2026

Saturday night went to the dogs, in the best possible way. 🐾⚽

We were proud to join Monterey Bay F.C. as a special sponsor of Paws at the Pitch, celebrating our community and its four-legged fans.

One of the best moments of the night was presenting a $1,310 donation to Animal Friends Rescue Project to support the important work they do for animals in our community.

Thank you to everyone who stopped by, brought their pups, and made it such a fun night at Cardinale Stadium. 💙

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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