Bay Federal Credit Union - Making A Real Difference
Bay Federal Credit Union is a fullservice, notforprofit financial cooperative. 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 nocost services. Our Board of Directors is made up of unpaid volunteers who spend countless hours ensuring the safety and stability of your money in the Credit Union.
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.
Our 60,000+ members enjoy a wide variety of products to serve all their financial needs, including:
- Checking, Savings, Money Market, IRAs, and Certificates (CDs)
- New & Used Auto Loans, Personal Loans, and Lines of Credit
- ATM & Visa Check Cards and worldwide ATM Access
- Visa Classic, Gold, and Gold Plus Cards
- Mortgage Loans, Home Equity Lines of Credit and Mobile Homes
- Business Savings, Checking and Loans
- Direct Deposit and Payroll Deduction
- 24Hour Account Access with BAYFEDONLINE and BAYPHONE
- Financial Planning through Bay Federal Investment Services
- Discount Tickets and Cards
- 8 Local Branches
Our Credit Union philosophy is "people helping people," which translates into exceptional service, competitive and affordable financial products, and assistance from staff and management who care about you. These benefits are what make Bay Federal Credit Union stand out as one of the Tri-Counties' best financial institutions, and why thousands of area residents have joined us.
If you would like more information about Bay Federal Credit Union, we'd love to help - just click here for a membership application and find out how to sign up. We look forward to serving you!
