Bay Federal Credit Union

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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.

 

Credit Cards

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

 

Titanium Savings

Our unique solution for members who want a high-yield for higher balances.

 

Mortgage

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

 

Investments

Tailored Portfolios – Guided, personalized investing for you.

Win the Ultimate Soccer Experience!

Use your Bay Federal Visa Credit Card for your chance to win the ultimate soccer experience: 4 tickets to the global soccer match between Paraguay and Australia at Levi's Stadium on June 25, round-trip limo transportation for your group, and $250 spending money.* Opt-in to participate.

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Save a Little, Grow a Lot

This April, we're celebrating Youth Month across our branches — because every big saver starts somewhere. Help your child build smart money habits with a Youth Savings Account for little ones or a BayTeen Checking account for teens. No minimum balance, no monthly fees, and a lifetime of good habits ahead. Plus, there's a whole month of fun waiting: a Sticker Contest, a reading event, savings goal prizes, and more.

Celebrate Youth Month Enter Our Sticker Contest
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Now's the Time to Refi

If your current auto loan is with another lender, refinancing with us may help you secure a more competitive rate. To make the switch even sweeter, you’ll get $200 when you refinance an eligible auto loan.1
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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!
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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.

Great Rates*

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

Autos

5.49 %* apr

Titanium Savings

2.02 %* apy

Personal Loans

7.49 %* apr

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.

Hello, Checking!

From updated BayChecking and Horizon Checking, to our new HarborLight and BayTeen Checking accounts, we have a solution for every stage of life.

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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
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