BAY FEDERAL CREDIT UNION

Welcome to Bay at our Freedom Branch, located at 2028 Freedom Blvd, Freedom, CA 95019! Since opening our doors in 1957, we have proudly served our community with a commitment to providing top-notch financial services and support. With over 91,000 members, we are dedicated to ensuring that your banking experience is both rewarding and accessible. At Bay, we understand the importance of financial stability and growth. That's why we manage total assets of over $1.66 billion, offering you a range of services from personal banking, such as checking and savings accounts, to auto loans and business financing. Our strong financial foundation includes $224,751,123 in total deposits and a net worth of $158,822,682, which reflects our ongoing commitment to your financial well-being. Our friendly team, led by CEO Carrie Birkhofer and Board President Piret Harmon, is here to assist you with all your banking needs. Whether you're looking for a new loan or simply need advice on managing your finances, we are ready to help. You can reach us at 831-479-6000 during our operating hours: Monday to Thursday from 9:00 AM to 5:00 PM, Wednesday from 10:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 3:00 PM. While you can visit us at our Freedom location for all your banking needs, please note that any official correspondence should be sent to our mailing address at 3333 Clares St, Capitola, CA 95010-2835. Join us today and discover how Bay can help you achieve your financial goals. Visit our website at bayfed.com or call us for more information on how we can support you on your financial journey!

Welcome to the Bay Freedom Branch, your friendly neighborhood credit union located at 2028 Freedom Blvd in beautiful Freedom, California. Nestled in Santa Cruz County, our branch is conveniently situated near popular landmarks that make it easy for you to stop by. Whether you're heading to the nearby parks or just running errands, we are here to serve your financial needs. At the Bay Freedom Branch, we pride ourselves on accessibility. Our location features ample parking and is designed with ADA compliance in mind, ensuring that everyone can easily access our services. We also provide a range of banking options to fit your lifestyle, including ATM services available right at our branch for quick withdrawals and balance checks. When you visit us, you'll find a welcoming atmosphere ready to assist you. Our lobby hours are designed with your busy schedule in mind open from 9:00 am to 5:00 pm on Monday, Tuesday, and Thursday; 10:00 am to 5:00 pm on Wednesday; 9:00 am to 6:00 pm on Friday; and from 9:00 am to 3:00 pm on Saturday. If you have questions or need assistance, don't hesitate to call us at 831-479-6000. For official correspondence, please note that our mailing address is slightly different. You can send any mail to 3333 Clares St, Capitola, CA 95010-2835. We invite you to come explore all the services we offer from personal banking options like checking and savings accounts to loans for vehicles and mortgages. Whether you're a long-time member or considering joining us for the first time, the Bay Freedom Branch is here for all your financial needs. We look forward to seeing you soon!

At Bay, we believe that becoming a member is like joining a family where everyone supports one another. If you live, work, or worship in our community, you're likely eligible to join us! We welcome individuals who meet specific criteria outlined on our website, making it easy for you to see if you qualify. Whether you're looking to open a checking account or take advantage of our loan options, being part of Bay means accessing personalized services designed with your needs in mind. For detailed eligibility information, feel free to check out this link. Opening an account is straightforward and can be done online through our application portal. If you have any questions or need assistance, don't hesitate to reach out to us at (831) 479-6000. Our team is here to help guide you every step of the way as you embark on this exciting journey with us at Bay, located at 2028 Freedom Blvd Freedom Ca 95019!

At Bay, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand the importance of trust in your financial institution, and we are proud to share how our strong financial position reassures you of our reliability. With a net worth of $158,822,682, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $955 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $283,671,280 in share certificates and $123,940,026 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $146,116,860 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to lend is reflected in our portfolio with $17,419 in used auto loans and $1,102,732,224 in total loans and leases. This robust lending capacity supports our members' financial goals across various sectors. Our operational efficiency shines through with a reported net income of $7,560,547, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 247 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at an impressive 207,878, showing a strong and growing member base that trusts us with their finances. Additionally, we have net shares available for lending and investments amounting to $350,602, further enhancing our ability to support your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Bay is your trusted partner. Visit us at 2028 Freedom Blvd Freedom Ca 95019 or call (831) 479-6000 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

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