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Bay Federal Credit Union's Overview

Total employees236
HeadquartersCapitola
Founded1957

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.

Where is Bay Federal Credit Union's Headquarters?

HQ Function

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.

Notable Features:

Modern office building designed to facilitate collaboration and efficient operations. Includes secure areas for financial processing and data management.

Work Culture:

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.

HQ Significance:

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.

Values Reflected in HQ: The headquarters' operations and design reflect Bay Federal's values of member service, community engagement, financial responsibility, innovation, and employee well-being.

Location:

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.

Street Address:

3333 Clares Street

City:

Capitola

State/Province:

CA

Country:

USA

Bay Federal Credit Union's Global Presence

Aptos, 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.

Santa Cruz (River Street), CA/USA

Address: 420 River Street, Santa Cruz, CA 95060

Caters to the financial needs of individuals, students, and businesses in the city of Santa Cruz.

Watsonville, CA/USA

Address: 1481 Main Street, Watsonville, CA 95076

Serves the significant population in Watsonville and South Santa Cruz County, fostering financial inclusion.

Salinas, CA/USA

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.

Scotts Valley, CA/USA

Address: 255 Mount Hermon Road, Scotts Valley, CA 95066

Provides convenient banking options for residents and businesses in the Scotts Valley area.

Buying Intent Signals for Bay Federal Credit Union

Highperformr Signals uncover buying intent and give you clear insights to target the right accounts at the right time — helping your sales, marketing, and GTM teams close more deals, faster.

Notable news
Hiring actively
Corporate Finance
Corporate Finance
Corporate Finance
Corporate Finance
Corporate Finance
*Example signal, not calculated in real time

Executive Team of Bay Federal Credit Union

As of April 2025, Bay Federal Credit Union' leadership includes:

Carrie Birkhofer - President/CEO
Tiffany Zachmeier - Chief Financial Officer
Ryan J. Cash - Chief Experience Officer
Brooke Johnson - Chief Administrative Officer
Richard Roark - Chief Information Officer
Amy Ivey - SVP, Chief Marketing Officer

Investors of Bay Federal Credit Union

Bay Federal Credit Union has been backed by several prominent investors over the years, including:

As a member-owned cooperative, Bay Federal Credit Union is not publicly traded and does not have external investors in the traditional sense. Its capital comes from its members and retained earnings.

Executive New Hires/Exits in the Last 12 Months

Hire0
Exits0

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.

Technology (Tech Stack) used by Bay Federal Credit Union

Discover the tools Bay Federal Credit Union uses. Highperformr reveals the technologies powering your target accounts — helping your sales, marketing, and GTM teams prioritize smarter and close faster.

Bay Federal Credit Union Email Formats and Examples

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

News and media

Bay Federal Credit UnionFebruary 27, 2024

Bay Federal Credit Union Recognized as a Top Workplace in the USA

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 SentinelApril 16, 2024

Bay Federal Credit Union announces scholarship winners

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 TimesDecember 12, 2023

Bay Federal Credit Union Promotes Three to AVP Roles

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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