Bay Federal Credit Union

Established in 1957, Bay Federal Credit Union is headquartered in Capitola, California.

Main Address

3333 Clares St
Capitola, CA 95010

Credit Union Details

Charter Number: 12067

Year Opened: 1957

Date Insured: January 29, 1971

Routing Number: 321177706

Peer Group: Assets more than $500 million

Credit Union Type: Federally chartered, federally insured credit union (FCU)

President of the Board: Piret Harmon

Manager/CEO: Carrie L. Birkhofer

Employees: 249 full-time and 3 part-time employees

Members: 91,766 current members

Website

bayfed.com

Branch Locations

Branch
Hours of Operation
Member Services
ATM
Drive Thru
Aptos Branch
48 Rancho Del Mar
Aptos, CA 95003
(831) 479-6000
9:00 am to 5:00 pm M, T, TH 10:00 am to 5:00 pm Wednesday 9:00 am to 6:00 pm Friday 9:00 am to 3:00 pm Saturday
Yes
Yes
No
Freedom Branch
2028 Freedom Blvd
Freedom, CA 95019
(831) 479-6000
9:00 am to 5:00 pm M, T, TH 10:00 am to 5:00 pm Wednesday 9:00 am to 6:00 pm Friday 9:00 am to 3:00 pm Saturday
Yes
Yes
No
River Street
420 River St Ste C
Santa Cruz, CA 95060
(831) 479-6000
9:00 am to 5:00 pm M, T, TH 10:00 am to 5:00 pm Wednesday 9:00 am to 6:00 pm Friday 9:00 am to 3:00 pm Saturday
Yes
Yes
No
Salinas Main
1524 N Main St
Salinas, CA 93906
(831) 479-6000
9:00 am to 5:00 pm M, T, TH10:00 am to 5:00 pm Wednesday9:00 am to 6:00 pm Friday9:00 am to 3:00 pm Saturday
Yes
Yes
No
Scotts Valley
255 Mount Hermon Rd Ste C
Scotts Valley, CA 95066
(831) 479-6000
9:00 am to 5:00 pm M, T, TH 10:00 am to 5:00 pm Wednesday 9:00 am to 6:00 pm Friday 9:00 am to 3:00 pm Saturday
Yes
Yes
No
Watsonville Branch
1481 Main St
Watsonville, CA 95076
(831) 479-6000
9:00 am to 5:00 pm M, T, TH 10:00 am to 5:00 pm Wednesday 9:00 am to 6:00 pm Friday 9:00 am to 3:00 pm Saturday
Yes
Yes
No

ATM Locations

ATM
Location
Aptos Branch
48 Rancho Del Mar
Aptos, CA 95003
River Street
420 River St Ste C
Santa Cruz, CA 95060
Watsonville Branch
1481 Main St
Watsonville, CA 95076

Grants

Grants received by this credit union.

Grantor
Date Awarded
Amount
FHLB-AHEAD Grant
September 7, 2023
$70,000
US Treasury
April 13, 2023
$3,718,258
Community Development Financial Institution (CDFI)
June 15, 2021
$1,826,265
FHLB-AHEAD Grant
September 28, 2020
$37,500

Data from https://mapping.ncua.gov/CreditUnionDetails/12067

Mergers

Acquired Coast-Tel Federal Credit Union in Salinas City, CA 93901 on February 1, 2019.
Acquired Santa Cruz County Employees Credit Union in Santa Cruz City, CA 95062 on November 1, 2014.
Acquired Wrigley Santa Cruz Federal Credit Union in Santa Cruz City, CA 95060 on June 29, 1996.
Acquired Dominican Hospital Employees Federal Credit Union in Santa Cruz City, CA 95060 on February 1, 1991.
Acquired Colshire Federal Credit Union in Watsonville City, CA 95076 on June 30, 1985.
Acquired Santa Cruz City Employees Credit Union in Santa Cruz City, CA 95060 on October 1, 1983.
Acquired Lipton Santa Cruz Federal Credit Union in Santa Cruz City, CA 95060 on August 12, 1983.

Credit Unions Near Capitola, CA

1041 Cochrane Rd Ste 180
Morgan Hill, CA 95037

Member Services

Yes

ATM

Yes

Drive Thru

No

55 River St
Santa Cruz, CA 95060

Member Services

Yes

ATM

Yes

Drive Thru

No

325 Digital Dr Ste B
Morgan Hill, CA 95037

Member Services

Yes

ATM

No

Drive Thru

No

75 Nielson St
Watsonville, CA 95076

Member Services

Yes

ATM

No

Drive Thru

No

2750 41st Ave
Suite F
Soquel, CA 95073

Member Services

Yes

ATM

Yes

Drive Thru

No

FAQ

What does a credit union have to offer?

Credit unions are non-for-profit financial cooperatives, owned and controlled by the credit union's members.

What is a cooperative?

Cooperatives, in simplest terms, are institutions that belong to the people that use them.

Is my money safe?

Credit unions are insured up to $250,000 by the National Credit Union Administration (NCUA).

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