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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.

Roll into 2025 with a Great Deal

Great news for Bay Federal members! For a limited time, you can take advantage of an exclusive 0.25% rate reduction on auto loans, bringing rates as low as 5.99% APR.*

*Learn More

Empowering Women. Empowering You. Invest in what matters most!

Choose the level of support that suits your needs.

Renovate Your Home, Not Your Wallet

Our HELOC Flex offers flexibility to upgrade your home in the ways that are the most meaningful to you!

1-Year Certificates

It's easy to build your savings. Lock in your great rate on a 1-Year Certificate!

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.

Payroll Services and HR Administration

Paychex Flex®, our all-in-one HR solution for business accounts, helps to simplify the process and effectively manage workers across the entire employee lifecycle.

Commercial Real Estate

Bay Federal Credit Union offers Commercial Real Estate loans for commercial properties in the state of California. These loans can be used to purchase or refinance retail or office space, industrial-use properties, or multi-family properties.

Scholarship Applications Now Open!

Are you a student with big dreams for the future? Bay Federal Credit Union is here to help! Apply for our annual scholarship to receive financial assistance for your educational journey. All applications due by March 16, 2025.

Learn More and Apply Now

Bay Federal Credit Union – New Branch in Marina Coming in 2025!

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! This new location brings our unique brand of community-focused banking to one of the region’s most dynamic and growing areas.

Learn More

Looking for reliable insurance options designed to be simple?

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