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Bay Federal Investment Services

Whether you've just started working or have 30 years on the job, you will eventually want to retire. Gina Bayer, CFS* Investment Advisor for Bay Federal Investment Services, can help you plan and save money for your post-retirement years so you can have the retirement you really want.

To start your retirement savings, review your current plan, or ask questions about investing, call Gina Bayer 831.479.6000, option 7, to schedule a no-obligation appointment


**Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Bay Federal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.



GrowSmart is for children, teens, adults and teachers

GrowSmart is a financial education initiative developed exclusively by Bay Federal Credit Union in our continued commitment to improve the financial lives of our community.
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Our Personal Financial Management Tools can put your financial goals within reach, free of charge as a benefit of your Bay Federal membership. Call 888.456.2227 to speak with a financial counselor or visit our Personal Finance Education Center.

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Concerned about making your mortgage payments?

Bay Federal offers a number of lending solutions to help you. Get help with your mortgage today!



A Message from
Carrie L. Birkhofer,
President and CEO

Read about low rates, savings options, and recent Bay Federal awards. Find out more...

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Children's Miracle Network CMN Fundraiser

Help Bay Federal employees raise money for pediatric hospital treatment and services for children battling illness and injury.
Find out more...

Call 831.479.6000
Toll Free: 888.4BAYFED

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