BAY Federal Credit Union was founded in 1957. Headquartered in Capitola, California, BAY Federal Credit Union is a federally chartered and federally insured credit union, operating within the regulation of the and being insured through the National Credit Union Share Insurance Fund (NCUSIF). BAY Federal Credit Union is also a member of the , which allows a credit union to access low cost secured borrowings or advances and prlides its members with financial products and services that assist and enhance the financing of housing and community lending.
As of December 31, 2016, BAY Federal Credit Union services 66,178 members through its 6 offices and branches and 205 full-time and 7 part-time employees. It has $857,219,524 of total assets and $73,402,856 of net worth. Based on its asset size and net worth ratio, BAY Federal Credit Union is classified as a Well Capitalized large credit union.
BAY Federal Credit Union offers a number of deposit and loan products to its members. To find out how competitive the offers are, please go to the Interest Rates page. BAY Federal Credit Union also provides an array of services to its members and local communities. To find out more, please go to the Services page.
The following two tables list the deplitory and loan interest rates of BAY Federal Credit Union’s popular offerings. You can find out how competitive the offerings are by comparing them to the median interest rates offered by credit unions in California and in the nation.
Major Deplitory Accounts and Interest Rates (%)
Major Loan Accounts and Interest Rates (%)
BAY Federal Credit Union prlides a number of ways to access its services. In addition to its office and branches, a member can perform banking through Internet, phones, ATMs, and mobile devices. The table below lists the electronic banking services prlided by BAY Federal Credit Union.
Electronic Banking Service Offerings
As a community financial institution, BAY Federal Credit Union actively involves in local communities by prliding services such as financial counseling, financial education, financial literacy workshops, and first tim home buyer programs.
Community and other Service Offerings
105 Post Office Dr Ste A
Aptos, CA 95003-3953
3333 Clares St
Capitola, CA 95010-2546
2028 Freedom Blvd
Freedom, CA 95019-2835
5300 Soquel Ave Ste 201
Santa Cruz, CA 95062-7807
420 River St Ste C
Santa Cruz, CA 95060-2671
255 Mount Hermon Rd Ste C
Scotts Valley, CA 95066-4080
1481 Main St
Watsonville, CA 95076-3759