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Making a Real Difference

Whatever your financial goals are today, we are here to help you succeed.

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How can we help you today?

Make a Payment

We’ve ensured that you can quickly and easily make your loan payment.

Certificates

Lock in a competitive rate with terms ranging from 3 months to 5 years!

Mortgage

First-Time Homebuyers: 3% Down and No Closing Costs.*

Credit Cards

Find the card for you, from credit building to great rewards and cash back.

Investments

Tailored Portfolios – Guided, personalized investing for you.

Connect for the Cause

Congress is looking at how to fund priorities by examining credit unions' tax-free status. That’s why we need your help to tell Congress: Don’t Tax My Credit Union.

Learn More Make Your Voice Heard

First-Time Homebuyers: Closing Costs on Us!

Finance your first home with us and we’ll cover the closing costs and appraisal fee.*

Your Next Chapter Starts Here

It's never too early or too late to start investing. We have simple, personalized strategies to help you down the path toward your retirement.

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Drive Away with a Lower Rate

Now through April, Bay Federal members get an extra discount on their auto loan!*

Great Rates^*

Bay Federal Credit Union offers great rates on deposit accounts, loans, and credit cards! Apply online today.

18-Month Certificate

3.82 %^* apy

Personal Loans

9.99 %^* apr

Money Market Savings

3.04 %^* apy

View All Rates

*Deposit accounts may have different rates based on your balance. All loans and mortgages have their own requirements to achieve specific rates. All loan rates will be personalized for YOU based on your credit score and debt to income ratio and additional discounts may be available. Visit our rates page for full details.

Commercial Real Estate

Unlock the potential of your business with Bay Federal Credit Union's Commercial Real Estate loans, designed to help you purchase or refinance properties like retail spaces, industrial sites, or multi-family units—all with no pre-payment penalties.

New Branch in Marina Coming Soon

Bay Federal Credit Union is thrilled to announce the opening of our newest branch at the Promenade at the Dunes in Marina, opening by the Summer of 2025!

Looking for reliable insurance options designed to be simple?

Insurance should be an important part of a solid financial plan. The key is finding coverage that fits your needs from someone trustworthy—because the right insurance could help give you peace of mind.

Backed by more than 80 years of working with credit unions and their members, TruStage™ is here to help protect what matters most. Trust us for all your insurance needs, including Life, Auto, Accidental Death & Dismemberment Coverage and more.

Get an instant, no-obligation quote or explore your coverage options at www.trustage.com.

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Community Engagement

Bay Federal Credit Union is actively engaged in the communities that we serve through corporate sponsorships, donations, business networking, and volunteer activities.

Community Engagement Request