x Join Our BayFed Team! Join our culture of excellent service, community, and fun! Bay Federal is hiring both full time and part time opportunities, with remote work options available. Check out this page for our current job openings! BayFed Online Account Login Loan Payment Options Contact Help Locations Rates Español Products & Services Member Benefits Advice & Planning About Us Live Local, Bank Local. Bay Federal Credit Union is your best local option for auto and home loans. Get Started ←→‖ 1 2 3 4 5 6 New Visa Signature! From merchandise to travel, there’s a perfect reward for you! Learn More Get $100 Cash Back!* When you refi your auto loan from another lender with us. Learn More Get a FREE Appraisal* Rates are low—refi your home loan from another lender today! Learn More Now at Harden Ranch Visit us at our new Salinas location, Harden Ranch Plaza! Location Map First-Time Homebuyers Program 3% Down and No Closing Costs* Low, competitive rates | Friendly, fast, local service Choose Bay Federal Credit Union for your personal and business banking needs. Bank online or at any of our credit union locations throughout Santa Cruz, Monterey & San Benito CA counties. Credit Union Locations/ATMs: Aptos Capitola Freedom Salinas Santa Cruz Scotts Valley Watsonville Home Site Map Accessibility Careers Do Not Sell My Info Privacy Foreclosure Prevention Contact Help Español 831.479.6000 | 888.4BAYFED Routing Number 321177706 Federally Insured by NCUA | Equal Housing Lender © Bay Federal Credit Union. All Rights Reserved. We use cookies to make site navigation easier, analyze site use and assist our marketing, as explained in our privacy policy. By selecting okay, you agree to cookies being stored on your device. Cookies Settings Okay!