Bay Federal Credit Union is a member-owned, not-for-profit financial cooperative dedicated to serving the people of Santa Cruz, Monterey, and San Benito Counties in California. Founded in 1957 by local school employees, Bay Federal has grown to become a full-service financial institution offering a wide range of products including checking and savings accounts, auto and home loans, credit cards, and investment services. They are committed to providing exceptional member service, competitive rates, and investing in the local community.
Serves as the central administrative and operational hub for the credit union, housing executive offices, member support departments, IT, marketing, human resources, and other core functions that support its branch network and digital services.
Modern office building designed to facilitate collaboration and efficient operations. Includes secure areas for financial processing and data management.
Fosters a member-focused and community-oriented environment, emphasizing teamwork, professional development, and a commitment to the credit union philosophy of 'people helping people.' Employees actively participate in local community events and initiatives.
The headquarters is vital for strategic planning, decision-making, and coordinating services for all members. Its location in Capitola underscores its commitment to the local communities it serves.
While Bay Federal Credit Union's physical branches are concentrated in Santa Cruz, Monterey, and San Benito Counties in California, it supports its members globally through robust online and mobile banking platforms. Members can access their accounts, transfer funds, pay bills, and manage their finances from anywhere in the world with an internet connection. Additionally, Bay Federal participates in the CO-OP ATM and Shared Branching networks, providing members with surcharge-free access to thousands of ATMs and shared branch locations nationwide and in select international locations.
3333 Clares Street
Capitola
CA
USA
Address: 105A Rancho Del Mar, Aptos, CA 95003
Serves members in the Aptos community and surrounding areas within Santa Cruz County, offering convenient access to financial services.
Address: 420 River Street, Santa Cruz, CA 95060
Caters to the financial needs of individuals, students, and businesses in the city of Santa Cruz.
Address: 1481 Main Street, Watsonville, CA 95076
Serves the significant population in Watsonville and South Santa Cruz County, fostering financial inclusion.
Address: 1524 North Main Street, Salinas, CA 93906
Supports the financial well-being of members in Salinas and the broader Monterey County region, expanding the credit union's reach.
Address: 255 Mount Hermon Road, Scotts Valley, CA 95066
Provides convenient banking options for residents and businesses in the Scotts Valley area.
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As of April 2025, Bay Federal Credit Union' leadership includes:
Bay Federal Credit Union has been backed by several prominent investors over the years, including:
Based on publicly available information and news releases, there have been no major publicly announced new executive hires or departures at the highest C-suite level (CEO, CFO, etc.) at Bay Federal Credit Union within the immediate past 12 months. The current executive leadership team appears stable. Promotions or changes at SVP/VP level may occur more regularly but are not always widely publicized as major executive shifts.
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Bay Federal Credit Union utilizes specific email formats for its employees. Based on observed communications and common practices, the primary format involves the first initial followed by the last name.
[first_initial][last_name]@bayfed.com
Format
jsmith@bayfed.com
Example
90%
Success rate
Bay Federal Credit Union • February 27, 2024
Bay Federal Credit Union announced it has earned the 2024 Top Workplaces USA award, issued by Energage. This recognition is based solely on employee feedback gathered through a third-party survey, highlighting its positive work environment....more
Santa Cruz Sentinel • April 16, 2024
Bay Federal Credit Union awarded $12,500 in scholarships to five local students through its Education Scholarship program. This initiative underscores the credit union's commitment to supporting education and investing in the future of its community members....more
Credit Union Times • December 12, 2023
Bay Federal Credit Union announced the promotion of three employees to Assistant Vice President positions: Tracie Sotomayor to AVP, Consumer Lending; Nina Gomez to AVP, Mortgage Lending Operations; and Allyson Stauffer to AVP, Project Management Office, reflecting internal growth and talent development....more
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