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Bay Federal Credit Union

4.2

About this business

Based in Watsonville, Calif., Bay Federal Credit Union is a full-service financial cooperative providing personal and business banking services. Some of the bank services feature checking, savings, money market, individual retirement arrangement (IRAs), certificates, new and used auto loans, personal loans, lines of credit, ATM and VISA cards, worldwide ATM access, mortgage loans, direct deposit and payroll deduction, discount tickets and cards. Bay Federal Investment Services provides financial planning. Extra amenities ava... read more

Location details

3333 Clares St, Capitola, CA, 95010, United States

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WeekdayScheduleStatus
Mon9:00 a.m. to 5:00 p.m.
Tue9:00 a.m. to 5:00 p.m.
Wed10:00 a.m. to 5:00 p.m.
Thu9:00 a.m. to 5:00 p.m.
Fri9:00 a.m. to 6:00 p.m.
Sat9:00 a.m. to 3:00 p.m.
SunClosed
4.2168 reviews
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Margaret Phillips's profile image
Margaret Phillips 
recommend  Recommended
6 years ago

short lines when in person, easy payroll deductions transfers, personal polite service with all contacts. 

Barbra Rudisill's profile image
Barbra Rudisill 
recommend  Recommended
6 years ago

That are a local credit u ion. I have been with them for years. Even before when it was the teachers credit union. I have my mortgage with them also. 

Lanette Farley's profile image
Lanette Farley 
recommend  Recommended
6 years ago

Friendly service with experienced Employees. I’ve needed help with getting a personal loan, car loans and a Mortgage loan. I love the online banking setup to pay my bills every month too. I’ve had such great service that I got my family members to join. Thanks Bayfederal 

Clint Stark's profile image
Clint Stark 
6 years ago

Bay Fed has always been reasonable and fair with us. They have our Checking, Savings, and Mortgage. My only issue is with the ATM in Freedom. It will not process multiple checks for deposit. I have to do them 1 at a time, PITB. 

Cindi Bacon-Gray's profile image
Cindi Bacon-Gray 
6 years ago

Seriously understaffed. Nice people but you cannot get anyone on the phone. I hope they return to the good service they used to have but having to always go in to an office is pretty unfortunate. 

Ted Mendoza's profile image
Ted Mendoza 
7 years ago
Maggie Ramos's profile image
Maggie Ramos 
7 years ago

Elsa at the Santa Cruz location is the best employee ever, she is super nice and goes above and beyond to help you! Thank you Elsa so much! 

Nichole Waltrip's profile image
Nichole Waltrip 
7 years ago
Rachel Williams's profile image
Rachel Williams 
8 years ago

Thanks Drew at Bay Federal Aptos! You made it a great experience for my 4th grader, opening her first savings account! 

Frequently asked questions about Bay Federal Credit Union

How is Bay Federal Credit Union rated?

Bay Federal Credit Union has a 4.2 star rating with 168 reviews. 

When is Bay Federal Credit Union open?

Bay Federal Credit Union is closed now. It will open tomorrow at 9:00 a.m. 

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