Bay Federal Credit Union
Complete Your Summer To-Do List

Need to finish summer projects or take that last-minute vacation? We can help!

Learn How Get Rates

What's on your to-do list?




Home & Yard Improvement
 


Travel Costs
 


Education Expenses
 


Wedding Expenses
 


Unconventional Vehicles

From backyard projects to dream getaways, we’ve got you covered.

There’s still time to make this summer count—whether that means wrapping up a long-standing home project, taking one last trip before fall, or tackling surprise expenses that popped up along the way.

At Bay Federal Credit Union, we offer smart, flexible financing options to help you check off everything on your list. Whether you need the predictability of a personal loan, the power of a HELOC, or the everyday convenience of a credit card, we’ll help you find the right solution—fast.

Let’s make the most of summer—on your terms.

 

Visa Signature® Credit Cards

Perfect for everyday purchases or covering unexpected expenses. Enjoy great rewards and perks, with competitive rates.

From cards to build your credit to options with great rewards, we have you covered to help finance your late-summer plans.

Explore Your Options
 

Personal Loans

Borrow a fixed amount with predictable payments. Ideal for projects, consolidating debt, or planning that last-minute trip.

Through September, Bay Federal members can enjoy a special 0.25% discount on their personal loan rate!*

Finance Your Plans
A child helping with a building project

HELOCs (Home Equity Line of Credit)

Tap into your home’s equity to finance major projects or larger expenses with competitive rates and flexible terms.

Our local Home Loan Consultants make the process quick and easy, with personalized service.

Turn Equity Into Opportunity

*A 0.25% promotional discount will be applied to the best available rate for which the borrower qualifies and is included in the rate examples. Offer available to current Bay Federal Credit Union members on the financing of a personal loan. The promotional rate is not available for current Bay Federal Credit Union personal loans. Minimum loan amount is $1,500. Rates and conditions vary based on creditworthiness and qualifications. The loan must be funded between July 1, 2025, and September 30, 2025, to qualify for the promotional discount. This offer is subject to change without notice.

Payment Example: Loan amount of $10,000 with a credit score of 700 - 739 with a 11.24% Annual Percentage Rate (APR) for 60 months would have monthly payments of $218.66.

All loans are subject to credit approval, income verification, and valid Social Security Number or ITIN per Bay Federal Credit Union lending requirements. Bay Federal Credit Union membership is required at the time of application. Other terms and conditions may apply. For more information, visit any Bay Federal Credit Union branch or call us at 831.479.6000 or toll-free at 888.4BAYFED.

Attention: You are leaving the Bay Federal Credit Union website

You will be redirected to a website outside of the Bay Federal Credit Union website and entering a website hosted by another party. The linked website is not operated by Bay Federal Credit Union. Bay Federal Credit Union is not responsible for the content or availability of the linked website. Bay Federal Credit Union does not represent the operator of the linked website, the member, or any other users if the two enter into a transaction. Privacy and Security Policies of the linked website may differ from those of Bay Federal Credit Union.