BAY FEDERAL CREDIT UNION

Welcome to Bay, your trusted financial partner in Scotts Valley, CA. Located at 255 Mount Hermon Rd Ste C, our credit union has been serving the community since 1957. With a total membership of 91,168 and assets reaching an impressive $1,660,575,009, we are committed to providing reliable and personalized banking solutions tailored to your needs. At Bay, we pride ourselves on our strong community ties and our dedication to helping you achieve your financial goals. Whether you're looking for personal banking options like checking and savings accounts, or need assistance with auto loans and mortgages, we've got you covered. Our robust lending portfolio includes over 40,923 loans and leases, ensuring that we can support you when it matters most. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 3333 Clares St, Capitola, CA 95010-4080. If you have any questions or need assistance, feel free to reach out by calling us at 831-479-6000. Our friendly team is here to help you navigate your financial journey. Led by our CEO Carrie Birkhofer and Board President Piret Harmon, we are proud of the culture of trust and transparency that defines Bay. With a net worth of $158,822,682 and total deposits amounting to $224,751,123, you can be confident that your money is in good hands. Join us today as we continue to build a brighter financial future together. Visit our website at bayfed.com for more information about our services or to open an account online. Your financial well-being is just a call or click away!

Becoming a member of Bay is like joining a friendly family where your financial needs are prioritized. If you live, work, or worship in the area, you're likely eligible to join us. We welcome individuals who share our values and want to be part of a supportive community that offers personalized services tailored just for you. Whether you're looking for a checking account, loans, or other financial products, our members enjoy unique benefits designed to help them thrive. For detailed eligibility criteria, feel free to check out our resource at http://www.bayfed.com/about-us/membership-benefits . Ready to take the next step? Opening an account with us is straightforward! Simply visit https://app.loanspq.com/apply.aspx ?enc=kw21wblm1yxpjjabdozad0wc8jb_9ig25_k2pr66qwfwwfyznozc1yaagjzdnf_eetzjyf3lzrb3x9sp2wg0qa to get started. If you have any questions or need assistance along the way, don't hesitate to give us a call at (831) 479-6000. We're excited to welcome you to Bay, located at 255 Mount Hermon Rd Ste C Scotts Valley Ca 95066, where your financial journey can flourish!

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 are proud to share our strong financial position with you, demonstrating our commitment to your financial well-being. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. With a net worth of $158,822,682, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $955 showcases 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 lending capacity is impressive as well offering $17,419 in used auto loans and $1,102,732,224 in total loans and leases to support your financial goals across various sectors. Our operational efficiency is reflected in our $7,560,547, enabling us to continue offering competitive loan rates and solid financial products for our members. Additionally, we take pride in having 247 full-time employees and 3 part-time employees dedicated to serving you with knowledge and care. We also have net shares available for lending and investments totaling $350,602. The trust placed in us by our members is evident with a total of 207,878 share accounts a clear indication of our strong and growing member base. 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 255 Mount Hermon Rd Ste C Scotts Valley Ca 95066 or call (831) 479-6000 to learn more about how we can help you achieve your financial goals.