Individual Taxpayer Identification Number (ITIN) Information
Bay Federal Credit Union welcomes members with an ITIN, offering the same financial services and support as we do for all our members. Whether you're looking for a loan, opening an account, or buying a home, we're here for you.
We’re Here to Support Your Financial Goals
At Bay Federal, ITIN holders have access to many of the same products and services as our other members. Our friendly, knowledgeable team—many of whom speak Spanish—is ready to help you every step of the way.
- Checking & Savings Accounts: Enjoy access to online and mobile banking, eStatements, and more with no monthly fees on many accounts.
- Auto Loans: Get competitive rates and flexible terms on new or used car loans.
- Personal Loans: Cover personal expenses with our easy-to-access personal loans.
- Credit Cards: Apply for a credit card to help you manage your expenses and build credit.
- Home Loans (New!): Now, ITIN holders can apply for all our mortgage products, including first and second mortgages, and home equity lines of credit. Most applicants will need a 20% down payment. If you don’t have a credit history, we’ll accept 4 utility bills showing a year of payment history.
What is an ITIN?
An ITIN (Individual Taxpayer Identification Number) is issued by the IRS for those who do not have a Social Security Number. With an ITIN, you can access a variety of financial services at Bay Federal Credit Union. If you don’t have one, you can apply for it through the IRS.
Supporting Our Local Communities
At Bay Federal, we believe in the power of community. By offering financial services to ITIN holders, we’re helping to build a stronger, more inclusive local economy. We work with many community partners to provide financial education and resources to help you succeed, regardless of your residency status.
How to get a loan with an ITIN
You’re just a few steps away from unlocking all the benefits of membership with Bay Federal Credit Union. Our friendly staff is ready to help you get started—whether you need a checking account, loan, or just have questions about your ITIN. We look forward to helping you reach your financial goals.