Jean Marie S.
5/24/2025
I recently worked with Bay Federal Credit Union for setting up a HELOC. Although I have been through the loan process several times in my many years of home ownership, my experience with Bay Fed...
Bay Federal Credit Union
Closed
(158)
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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.
Reviews
3.0158 reviewsT 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...
Driss H.
10/15/2025
So i had another poor/really bad customer experience at Bay Federal Credit Union- bad experience- unfortunately- And i also want to say - when Bay Federal sends me an automated - wrongly dated...
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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