Bay Federal Credit Union Membership

  • Bay Federal Credit Union is headquartered in Capitola, California and has been serving members since 1957
  • Manages $1.59 Billion in assets and serves over 88,000 members.

Membership: Live, work, worship, or attend school in designated counties in California.

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How to Join Bay Federal Credit Union

Bay Federal Credit Union membership eligibility includes, but is not limited to, the following:

  • Live, work, worship, or attend school in Santa Cruz, San Benito, and Monterey counties.

Additional information



Deposit Insurance



CDFI, not-for-profit

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