Bay Federal Credit Union

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48 Rancho del Mar
Aptos, CA 95003

Bay Federal Credit Union is a member-focused financial institution based in Aptos, CA, dedicated to providing a range of banking services including personal, auto, and home loans, as well as credit cards and investments. Committed to community engagement, Bay Federal fosters relationships through corporate sponsorships, donations, and volunteer activities, ensuring a positive impact on the local community.

With competitive rates on deposit accounts and loans, Bay Federal offers tailored financial solutions designed to help members achieve their financial goals. The credit union's commitment to personalized service is evident in its array of products aimed at supporting both individual and business banking needs.

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Reviews

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4.021 reviews
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B.H. C.
4/5/2025

Should have made the switch a long time ago (from the traditional bank we had). Everyone is so friendly, there is a coin counter... kinda like a good old fashion bank but with modern technology.

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Jacquelyn B.
1/12/2023

All I can say is best customer service ever from Andrew. After speaking to several people on the phone who were not very eager to fix an issue I went into the Aptos branch and spoke with Andrew...

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Lesley R.
1/6/2014

As Credit Unions go....this one is a good one. Friendly people, no snafoos....I like them. (I got a checking account maybe 6 months ago....I normally do the ATM....but have been in my share...

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Brook T.
9/6/2017

We have been using Bay Federal for about the last 10 years and totally love them. This last time was the best. Felisa Garcia handled my refinance of our new car and made some awesome suggestions...

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Jodie H.
4/2/2019

Best customer service experience I've had yet at a bank. Love everyone there. Great bank! Thanks for being a great local bank

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