Bay Credit Union Santa Cruz CA | Best Auto Loans & Personal Banking

Introduction

Welcome to Bay at 420 River St Ste C, Santa Cruz, CA 95060! Since our establishment in 1957, we have been dedicated to serving our community with trust and reliability. With over 91,000 members and total assets reaching an impressive $1,660,575,009, we are proud to be a financial partner that you can count on. At Bay, we understand the importance of having access to quality financial services that meet your needs. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, our dedicated team is here to help. We currently manage total loans of 40,923, ensuring we can offer you the right solutions tailored just for you. While members can visit us at our branch address, official correspondence should be sent to 3333 Clares St, Capitola, CA 95010-2671. Our friendly staff is available to assist you during our operating hours: Monday, Tuesday, and 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. Under the leadership of CEO Carrie Birkhofer and Board President Piret Harmon, we strive not only for financial growth but also for community impact. With a net worth of $158,822,682 and cash in hand totaling $14,473,788, we are well-equipped to support our members' financial journeys. Feel free to reach out at 831-479-6000 or explore our website at www.bayfed.com for more information. Join us today and see how Bay can help you achieve your financial goals!

Branch History & Mission

Community Commitment

Throughout our history, we've partnered with local organizations and initiatives that uplift our community. From supporting local schools to participating in food drives, we aim to give back and strengthen the neighborhoods we serve. Our commitment extends beyond financial products; it's about building lasting relationships and fostering a sense of belonging among our members.

Join Us

Whether you're looking for checking accounts, auto loans, or business banking services, you'll find what you need at Bay. With dedicated staff ready to assist you during our operating hours Monday through Friday from 9:00 am to 5:00 pm (with extended hours on Wednesdays and Fridays) we invite you to experience the difference of being part of something special. Join us today and discover how Bay can support your financial journey. Visit us or call us at (831) 479-6000 for more information about becoming a member. Together, let's build a brighter future!

Modern Banking Solutions

As times change, so do we. At Bay, we embrace technology while ensuring that accessibility remains a priority. Our digital services include online banking and mobile payments, allowing you to manage your finances on your terms. We also uphold ADA compliance standards so that all members of our community can access our services without barriers.

Our Mission

Our mission is straightforward yet profound: to empower our members by offering accessible financial solutions and fostering community support. We believe that everyone deserves the opportunity to achieve their dreams, whether it's buying a home, financing a vehicle, or saving for the future. At Bay, we are dedicated to making banking personal and responsive to your unique needs. While you can visit us at our branch location in beautiful Santa Cruz, any official correspondence can be sent to our mailing address at 3333 Clares St, Capitola, CA 95010-2671. This allows us to stay connected and serve you better.

Branch Location & Accessibility

Accessibility and Parking

At Bay Credit Union, we prioritize accessibility for all our members. Our location features ADA-compliant entrances and ramps, making it easy for everyone to come in and enjoy our services. We also offer convenient parking options nearby, so you won't have to worry about finding a spot.

Get in Touch

Whether you're looking for assistance or simply want to learn more about what we offer, feel free to give us a call at 831-479-6000. We invite you to visit us at Bay Credit Union on River Street today! Experience friendly service and discover how we can help make your banking experience as smooth as possible.

Operating Hours

We understand that life can get busy! That's why our operating hours are designed with your schedule in mind. You can visit us Monday through Tuesday and Thursday from 9:00 am to 5:00 pm. On Wednesdays, we open a bit later at 10:00 am but still close at 5:00 pm. Fridays are great for those who need a little extra time as we're open until 6:00 pm! If you're looking to stop by on Saturday, we're here from 9:00 am until 3:00 pm.

Services Offered

Our branch provides a range of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. Plus, enjoy the convenience of ATM access right here at the branch! For those who prefer online banking, our digital services include mobile payments and e-statements making it easier than ever to manage your finances on the go.

Member Eligibility

At Bay, we believe that everyone deserves a supportive financial community, and becoming a member is easier than you might think! If you're a resident of Santa Cruz County or work in the area, you're likely eligible to join us. We welcome individuals who share our commitment to cooperative banking and community values. Not only will you gain access to personalized financial services tailored to your needs, but you'll also enjoy benefits like competitive loan rates and low-fee accounts. To find out more about our eligibility criteria, feel free to check out the details at http://www.bayfed.com/about-us/membership-benefits . When you're ready to take the next step, opening an account is simple just visit us at https://app.loanspq.com/apply.aspx ?enc=kw21wblm1yxpjjabdozad0wc8jb_9ig25_k2pr66qwfwwfyznozc1yaagjzdnf_eetzjyf3lzrb3x9sp2wg0qa or give us a call at (831) 479-6000. We're excited to welcome you into the Bay family at our location: 420 River St Ste C Santa Cruz Ca 95060!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine being able to accept payments from customers easily, no matter how they choose to pay. Our merchant services help you do just that. From card processing to mobile payments, we provide the tools you need to keep your business running smoothly. Picture a busy café on a Sunday morning your customers want their lattes fast, and with our services, transactions happen quickly so you can focus on what matters most: serving your customers. If you're located near us at 420 River St Ste C Santa Cruz Ca 95060, come visit us or call (831) 479-6000 to explore how our business banking services can help you thrive in Santa Cruz, CA.

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $49 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $1,408,861, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

For local entrepreneurs, our business banking services include merchant services and business loans designed to help your venture thrive. We're here to support businesses of all sizes with the financial tools they need.

Credit Cards & Rewards

Looking for a credit card? Our credit cards come with rewards that allow you to earn points on everyday purchases. This means you can enjoy benefits while managing your spending effectively.

Digital Banking Features

In today's fast-paced world, convenience matters. That's why Bay offers robust online and mobile banking features. With just a few clicks or taps, you can manage your accounts from anywhere at any time. Need cash? Our ATM and cash withdrawal services ensure you're never far from your funds, providing basic ATM access for withdrawals and balance checks.

Get Started Today!

We invite you to explore all the ways Bay can assist you in achieving your financial goals. Whether you're interested in personal or business services, our team is ready to help. Feel free to reach out at (831) 479-6000 or visit us at 420 River St Ste C Santa Cruz Ca 95060 in Santa Cruz, CA. Join us today at River Street and experience the difference we can make in your financial journey!

Personal Banking Solutions

Managing your finances should be simple, and that's why we offer various personal banking services. Our checking and savings accounts are tailored to help you save for the future while enjoying easy access to your funds. For those considering purchasing a vehicle, our auto loans and vehicle financing options make it easier than ever to get behind the wheel of your dream car. If home ownership is on your mind, our mortgage loans and refinancing options can help make that dream a reality. We understand that life can throw unexpected expenses your way, which is why our personal loans and debt consolidation services are here to support you during tough times.

Digital & Online Banking

Key Features

One standout feature is our ability to handle electronic signatures seamlessly. This means you can authorize important documents without needing to visit the branch saving you time and hassle. Plus, if you prefer going paperless, you'll love our e-statements availability. Receive your statements directly in your inbox whenever you need them! We also recognize that mobile banking is essential in today's fast-paced world. That's why we offer a robust mobile application that allows you to manage your finances on the go. From checking balances to making person-to-person transfers with just a few taps, our app ensures you're always connected to your money. For those who enjoy using digital wallets, our mobile payments feature lets you make transactions quickly and securely from your smartphone. And if there's ever a need for assistance or inquiries about your account, rest assured that support is just a call away at (831) 479-6000. At Bay, we are committed to making banking easier for you. Enjoy the freedom of real-time account management and the convenience of accessing your financial information whenever you need it all while knowing that your security is our top priority. Join us today and experience the benefits of modern banking!

Financial Strength

A Growing Community

We proudly serve a growing community with 207,878 total share accounts. This number showcases the trust our members place in us to manage their finances effectively. Our net shares available for lending and investments stand at $350,602, further highlighting our commitment to fostering financial growth among our members. 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 420 River St Ste C Santa Cruz Ca 95060 or call (831) 479-6000 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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.

Operational Efficiency

Our $7,560,547 reflects our operational efficiency, 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.

Reinvestment for Growth

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 commitment to growth is reflected in the fact that we have provided $17,419 in used auto loans and manage a robust portfolio of $1,102,732,224 across various sectors.

Solid Financial Health

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.

Loan Offering

At Bay, we understand that every financial journey is unique, and we're here to support you with a variety of loan products tailored to meet your needs. Whether you're looking to buy a car, purchase a home, or manage everyday expenses, we have options designed to help you succeed. With over 40,923 loans issued, we've helped thousands of members achieve their financial goals. Our auto loans are particularly popular among our members. Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $323,587,027 in used vehicle loans and $114,216,150 in new vehicle loans already helping members get on the road. If you're considering homeownership, our mortgage options can make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $81,541,237, making it easier for you to secure your dream home. For those needing extra funds for personal expenses or emergencies, we also provide flexible terms on unsecured credit card loans. With a total of $26,226,876 in loans, our credit cards help members manage their finances effectively. In addition to personal lending options, we also cater to business owners with outstanding commercial loans totaling $1,408,861. These loans provide the capital needed for growth and expansion, supporting local businesses in achieving their objectives. As part of our commitment to serving you better, we also offer refinancing options. If you're considering refinancing your existing loans or want to check your eligibility for any of our products, feel free to reach out. Located at 420 River St Ste C Santa Cruz Ca 95060 in Santa Cruz, CA, our team is ready to assist you with any questions or concerns you may have about our loan offerings. You can reach us at (831) 479-6000 during our operating hours: Monday through 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. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you find the right loan product that fits your needs today!

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BAY FEDERAL CREDIT UNION