Bay Federal Credit Union was started 60 years ago when local school teachers pooled their money together to start a credit union. That investment has grown through an amazing journey of involvement into the area’s largest locally-owned financial institution, with over $935 million in assets. Bay Federal provides full service financial products and solutions to Santa Cruz, Monterey, and San Benito counties. Whether a community member is looking to buy a home, purchase a car, save some money, or access the latest in banking technology, our local and friendly employees are here to help.