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.
Fuel Your Labor Day!

Fuel Your Labor Day Weekend With 4% Cash Back*

Whether you’re filling up or charging up, your Coastal Cash Visa Signature® Credit Card can help you get a little more back this Labor Day weekend.

From September 4–7, earn 4% cash back at gas stations and EV chargers when you use your Coastal Cash card.

Don't have your Coastal Cash card yet? Visit one of our convenient branches and have your card printed in minutes!

Wherever the long weekend takes you, make Coastal Cash your card for the road.

*Coastal Cash

Make the Grade With a Better Rate

Back-to-school expenses can add up fast. A Bay Federal Personal Loan offers low rates and fixed monthly payments to help cover supplies, laptops, electronics, and more.

Explore Personal Loans
Same car. Fresh start.

Same car. Fresh start.

A fresh financial start doesn't require a new car. With Bay Federal's auto refinance offer, you can keep the vehicle you love while enjoying benefits designed to make life a little easier.

Two people looking at construction plans

Equity built over time. Ready when you are.

Your home has been quietly building value. A Bay Federal HELOC lets you access that equity, without touching your existing mortgage.
Family gathered together with the Investment Services logo

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

5.24 %* 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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Bay Federal Credit Union Included in Forbes list

Forbes Best-In-State Credit Unions

Bay Federal Credit Union has been named to the Forbes list of America’s Best-In-State Credit Unions 2026. This prestigious recognition is presented in partnership with Statista, a leading global provider of market data and industry rankings.

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Community Engagement

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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