Welcome to bay, a trusted financial institution established in 1957 that has been dedicated to serving the community with unwavering commitment and integrity. Located in Capitola, CA, our mission revolves around empowering our members through accessible and reliable financial services. Under the leadership of CEO Carrie Birkhofer and Board President Piret Harmon, we strive to enhance the financial well-being of all our members, including military personnel and their families, by offering a wide array of personalized banking solutions.

At bay, we understand that modern banking needs to be flexible and user-friendly. That’s why we provide an array of innovative tools such as Online Banking, a convenient Mobile App, P2P Transfers, E-Statements, Mobile Payments, and E-signature Authorization for effortless transactions. Our commitment to safeguarding your assets is further reinforced by NCUA insurance since 1/29/1971 0:00, ensuring your deposits are protected. With a focus on trust and accessibility, we invite you to explore how we can assist you on your financial journey. For more information, please visit our official website at https://www.bayfed.com/ or reach us via fax at (831) 479-6095.

At bay, we pride ourselves on offering a comprehensive suite of financial services designed to meet the diverse needs of our members. From personal banking solutions, such as checking and savings accounts, to specialized auto loans and vehicle financing, we are committed to providing you with the tools necessary for effective financial management. Our offerings extend to mortgage loans and refinancing options, personal loans for debt consolidation, and business banking services that include merchant services and business loans. With our easy-to-navigate online banking platform and mobile application, managing your finances has never been more convenient. Members can take advantage of features like person-to-person transfers, mobile payments, e-statements, and electronic signatures—making everyday banking seamless and efficient.

Whether you're planning for life milestones or looking to grow your small business, our digital access ensures you have the resources at your fingertips. You can check your loan rates or compare options using our loan aggregator service at https://www.lendmesh.com/loans/vehicle_loans . For those considering membership, we invite you to explore eligibility requirements through http://www.bayfed.com/about-us/membership-benefits . Our dedicated team is always ready to assist you; feel free to reach out at (831) 479-6095 for any personalized support you may need. Join us at bay today and experience financial services tailored just for you.

Bay Credit Union stands as a trusted and valuable financial partner in the community, with a Total Membership that stands at 91,168. This impressive figure reflects our commitment to serving individuals and families alike, ensuring that everyone has access to essential financial services. Our dedication is further highlighted by our Total Assets of 1,660,575,009, which signifies the strength and stability we provide to our members.

With a robust Net Worth of 158,822,682 and a Net Income of 7,560,547, Bay Credit Union showcases its solid financial health and ability to reinvest in member services. Our Total Deposits, amounting to 224,751,123, underscore the confidence our members place in us as their preferred financial institution. Furthermore, with 40,923 loans and leases issued, we have been instrumental in helping our members achieve their financial goals, whether it be purchasing a new vehicle or financing a home.

Our workforce of 250 dedicated professionals is committed to providing exceptional service and personalized solutions tailored to each member's unique needs. The Net Worth Ratio of 955 demonstrates our strong capital position, reinforcing our ability to support sustainable growth for both the credit union and its members.

In terms of lending, we take pride in our diverse offerings, including a Credit Card Loan Volume of 4,951 and an Auto Loan Volume reaching 34,838. Additionally, we facilitate Commercial Loans totaling 50, reflecting our support for local businesses and entrepreneurs. Importantly, Bay Credit Union maintains a responsible approach with no Total Borrowings, emphasizing our prudent management practices.

As we continue to grow and adapt to the needs of our community, Bay Credit Union remains transparent and committed to fostering trust among our members. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov .

Discover how Bay Credit Union can help you reach your financial aspirations. Compare real-time loan offers today at https://www.lendmesh.com/loans/vehicle_loans and find the best rates for your needs.