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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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.

 

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.*

 

Investments

Tailored Portfolios – Guided, personalized investing for you.
Father and son working on home construction

Complete Your Summer To-Do List

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.

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Drive Away with a Lower Rate

Bay Federal members can get an auto loan rate as low as 5.49% APR.*

This offer has been extended through September 30!

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Visa® Signature Credit Cards

Looking for a credit card that rewards your everyday lifestyle? Bay Federal Credit Union offers two powerful options designed to give you more—whether you prefer cash back on groceries and gas or travel points for your next adventure.

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Two people looking at construction plans

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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Memories are Made on the Road

Affordable financing. Local decisions. Lifelong memories. Get on the road in an RV or motorcycle—your next adventure starts now.
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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.

18-Month Certificate

3.72 %* 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.

Coming This September: New Branch in Marina

Our newest branch is almost here! We're putting the finishing touches on our new location, and we can't wait to welcome you.

Discover the Location

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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