Bay Federal Credit Union is a full-service, not-for-profit financial cooperative based in Watsonville, California, serving Santa Cruz, Monterey, and San Benito counties. Founded in 1957 by local school teachers, it has grown to over $1.8 billion in assets and is the area’s largest locally-owned financial institution. The credit union offers personal and business banking services including checking, savings, loans, mortgages, and investment services.
