
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.

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.
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.
Drive Away with a Lower Rate
Bay Federal members can get an auto loan rate as low as 5.99% APR.*
This offer has been extended through September 30!
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.

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
*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.
Community Engagement
Bay Federal Credit Union is actively engaged in the communities that we serve through corporate sponsorships, donations, business networking, and volunteer activities.
