Watsonville Branch of Bay Federal. Photo: February 2010.

105A Post Office Drive, Aptos CA 95003
Ben Lomond Market*, 9440 Mill St, Ben Lomond CA 95005
3333 Clares Street, Capitola CA 95010
2028 Freedom Blvd., Freedom CA 95019
420 River Street Santa Cruz, CA 95060
255 Mt. Hermon Road, Scotts Valley CA 95066
1481 Main Street, Watsonville CA 95076
M T Th: 9-5, W: 10-5, F: 9-6S: 9-3
*Ben Lomond hours M-F 1pm-5pm
(831) 479-6000 (All branches.)
(All Bay Federal Credit Union Members)
Payment Method
Cash, Check, Credit Card, Other

Bay Federal Credit Union is a local, not-for-profit financial cooperative that offers the same basic services as a bank - savings and checking accounts, car loans, home loans, credit and debit cards, online banking, and more.

Bay Federal members can do their banking at any of the Credit Union's seven Santa Cruz County branches, online through their website, and over the phone at 831.479.6000.

ATM withdrawals can be made without a fee at over 28,000 ATMs across the country through the CO-OP ATM network. Many of the CO-OP ATMs also accept deposits. 7-Eleven ATMs are also part of this network and are free as well. Some 7-Eleven ATMs accept deposits.

Bay Federal membership is open to anyone who lives, works, volunteers, worships, or attends school in Santa Cruz, San Benito, and Monterey Counties.

Every account at Bay Federal is insured up to $250,000 by the NCUA (National Credit Union Administration). This insurance is just like the FDIC insurance at banks. That means that your money is just as safe at a credit union as it is at a bank.

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