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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.
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
*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.
Commercial Real Estate Loans
Unlock the potential of your business with Bay Federal Credit Union's Commercial Real Estate loans, designed to help you purchase or refinance properties like retail spaces, industrial sites, or multi-family units—all with no pre-payment penalties.
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