Jessica B.
11/11/2025
I recently worked with Bay Federal Credit Union for a HELOC and I cannot say enough good things about the experience. From the very beginning, Kaila was incredibly helpful, professional, and...
Bay Federal Credit Union
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3333 Clares St
Capitola, CA 95010
Based in Watsonville, Calif., Bay Federal Credit Union is a full-service financial cooperative providing personal and business banking services. Some of the bank services feature checking, savings, money market, individual retirement arrangement (IRAs), certificates, new and used auto loans, personal loans, lines of credit, ATM and VISA cards, worldwide ATM access, mortgage loans, direct deposit and payroll deduction, discount tickets and cards. Bay Federal Investment Services provides financial planning. Extra amenities available at the Bay Federal Credit Union include postage stamp machine inside the branch, drive-up ATM machine, coin counting machine, night deposit box, ATM machine outside branch, Internet-banking cafe, lending center and ATM machine inside branch. The National Credit Union Administration accredited institution is an Equal Housing Lender.
Also at this address
Reviews
3.0159 reviews
Larry K.
11/25/2025
Put my debit card on hold without notification...l could not use for $8 Why do l need to say more? I can use a lot of swearing to fill up the word count
T L.
10/10/2025
Warning: Bay Fed does not trust their customers. Avoid this bank!!! 1. Today, they refused a branch issued check from Morgan Stanley. They told me I had to prove the check was good. Would a...
Shaddia V.
9/23/2025
I just came in to replace my card and I have never felt so welcomed in any bank at that.. Ryan was the face of the company today and he was so awesome.. He was courteous.. Ryan was filled with...
tom l.
3/1/2025
just finished a delightful and quick process of getting a Home Equity Line (HELOC) at Bay Fed, after a very unpleasant experience with a major bank trying to do the same. Kaila was a pleasure to...
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