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River Street Branch
Bay Federal Credit Union Credit Union

Bay Federal Credit Union is a local, full-service, member-owned financial institution serving over 55,000 members and 1,000 businesses throughout Santa Cruz County. Any one who works, lives, attends school, volunteers, or worships in Santa Cruz, San Benito or Monterey Counties is eligible to join!

Website: bayfed.com

Phone: (831) 479-6000

Cross Streets: Near the intersection of River St and Josephine St

Interested in our services?

Closed now

  • Sun Closed

420 River St Santa Cruz, CA 95060 ·2337.45 mi

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Reviews

yelp
4.0 121 reviews
5 star
82 4 star
7 3 star
0 2 star
7 1 star
25
Rob A. 01/11/24

Great Staff but WEAK Technology. I've had secondary accounts here for a very long time and been pleased with them over the years. Recently I moved my primary checking account to BayFed and...

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Driss H. 03/31/26

5 stars awesome - Bay Federal is a great bank with great people - Suggestion: you have courtesy coffee- so nice - n its good coffee- No covers for the cups - I asked - can we go just a touch...

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Kaden B. 07/10/26

customer service sucks. My account got frozen and now I can't move my money to pay my bills. Customer service didn't help. I can't even to an external wire the feature to do so is un functional....

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Old S. 01/27/26

There's a joke about how you just look around and think about how dumb the average person is. And then you think a little more, and realize that half of the people are dumber than that. Well, in...

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david a. 12/16/25

8 days ago I contacted bay federal to close out my accounts after discovering that they were now charging me $20/month for my two checking accounts. I was told that my fees would be refunded and...

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