BAY FEDERAL CREDIT UNION

At Bay, we believe in fostering a community where every member feels valued and empowered to achieve their financial goals. Located at 1481 Main St, Watsonville, CA 95076, our Watsonville Branch has been a trusted partner for individuals and families since 1957. With a robust membership of 91,168 and total assets exceeding $1.66 billion, we are committed to providing personalized financial services that meet the diverse needs of our community. While members can visit us at our branch, official correspondence should be sent to our mailing address at 3333 Clares St, Capitola, CA 95010-3759. Our team is dedicated to ensuring that you receive not just banking services but also guidance and support tailored to your unique circumstances. Under the leadership of our CEO, Carrie Birkhofer, and Board President, Piret Harmon, we prioritize trust and transparency in every interaction. With a net worth of $158.82 million and total deposits amounting to $224.75 million, we have built a solid foundation that enables us to offer a wide range of products including auto loans, personal loans, credit cards with rewards, and business banking solutions. Our commitment goes beyond financial figures; it's about making a real difference in the lives of our members. Whether you're looking for savings accounts or exploring loan options our friendly staff is here to assist you. You can reach us at (831) 479-6000 during our operating hours: Monday, Tuesday, 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. Join us at Bay today! Visit our website at Bay Federal Credit Union or stop by the Watsonville Branch to discover how we can help you thrive financially. Your journey towards better financial health starts here!

At Bay, we believe in creating a welcoming community where everyone can thrive. Becoming a member is simple and open to those who live, work, or worship in our local area. If you're a family member of an existing member or part of a partner organization, you're also eligible to join us! We're here to support your financial journey with personalized services and a range of benefits designed just for you. For the latest details on eligibility criteria, feel free to visit our website at http://www.bayfed.com/about-us/membership-benefits . Once you're ready to take the next step, opening an account is a breeze! You can easily start the process online by visiting our account opening page at https://app.loanspq.com/apply.aspx ?enc=kw21wblm1yxpjjabdozad0wc8jb_9ig25_k2pr66qwfwwfyznozc1yaagjzdnf_eetzjyf3lzrb3x9sp2wg0qa or give us a call at (831) 479-6000 if you have any questions. Join us at Bay, located at 1481 Main St Watsonville Ca 95076, and experience the advantages of being part of our family-oriented credit union. We can't wait to welcome you!

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 dedicated to ensuring that your finances are in safe hands, which is why we want to share some important insights about our 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. 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. Additionally, with $17,419 in used auto loans and $1,102,732,224 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our impressive $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. Net Shares (Funds available for lending and investments): $350,602. Total Share and Deposit Accounts: 207,878, showing a strong and growing member base that trusts us with their finances. 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 1481 Main St Watsonville Ca 95076 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.*