Bay Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.bayfed.com

831-479-6000

3333 Clares St
Capitola, CA 95010

Bay Federal Credit Union is headquartered in Capitola and is the 39^th largest credit union in the state of California. It is also the 281^st largest credit union in the nation. It was established in 1957 and as of March of 2025, it had grown to 241 employees and 92,630 members at 7 locations. Bay Federal Credit Union's money market rates are 7X the national average, and it has an A health rating.

Field of Membership Restrictions

Bay Federal Credit Union is open to who live, work, worship, or attend school and companies headquartered in the California counties of San Benito, Santa Cruz, or Monterey. Immediate family of current credit union members are also eligible to join.
See current membership details

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	12067
Year Chartered	1957
Employees	241
Primary Regulator

Profit Margin
Return on Assets - YTD	0.73%
Return on Equity - YTD	8.47%
Annual Interest Income	$19.1MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$1.76B$1.61B
Loans	Q1 2025vs Q1 2024	$1.12B$1.09B
Deposits	Q1 2025vs Q1 2024	$1.58B$1.46B
Equity Capital	Q1 2025vs Q1 2024	$148.9MM$125.9MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$7.4MM$6.9MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$2MM$1.4MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Bay Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.28%^*	$50k^*	-	Titanium Savings Account
OTHER TIERS: 0.75% → $100 - $25k \| 2.02% → $25k - $50k
2.28%^*	$50k^*	-	Business Titanium Savings Account
OTHER TIERS: 0.75% → $100 - $25k \| 2.02% → $25k - $50k
0.10%	$100	-	Savings Account
0.10%	$100	-	Business Savings Account

Bay Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
3.04%^*	$5	$2.5k	Money Market Advantage
OTHER TIERS: 1.66% → $10k - $25k \| 1.89% → $2.5k - $10k
3.04%^*	$5	$2.5k	Business Money Market Advantage
OTHER TIERS: 1.66% → $10k - $25k \| 1.89% → $2.5k - $10k

Bay Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$2.5k	-	Interest Checking
0.05%	$2.5k	-	Business CheckingPLUS

Bay Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.29%^*	$100k^*	-	5 Year CD
OTHER TIERS: 4.18% → $1k - $100k
4.29%^*	$100k^*	-	Business 5 Year CD
OTHER TIERS: 4.18% → $1k - $100k
4.18%^*	$100k^*	-	4 Year CD
OTHER TIERS: 4.08% → $1k - $100k
4.18%^*	$100k^*	-	Business 4 Year CD
OTHER TIERS: 4.08% → $1k - $100k
4.08%^*	$100k^*	-	3 Year CD
OTHER TIERS: 3.98% → $1k - $100k
4.08%^*	$100k^*	-	Business 3 Year CD
OTHER TIERS: 3.98% → $1k - $100k
3.98%^*	$100k^*	-	2 Year CD
OTHER TIERS: 3.87% → $1k - $100k
3.98%^*	$100k^*	-	Business 2 Year CD
OTHER TIERS: 3.87% → $1k - $100k
3.82%^*	$100k^*	-	18 Month CD
OTHER TIERS: 3.72% → $1k - $100k
3.82%^*	$100k^*	-	Business 18 Month CD
OTHER TIERS: 3.72% → $1k - $100k
3.67%^*	$100k^*	-	1 Year CD
OTHER TIERS: 3.56% → $1k - $100k
3.67%^*	$100k^*	-	Business 1 Year CD
OTHER TIERS: 3.56% → $1k - $100k
3.15%^*	$100k^*	-	6 Month CD
OTHER TIERS: 3.05% → $1k - $100k
3.15%^*	$100k^*	-	Business 6 Month CD
OTHER TIERS: 3.05% → $1k - $100k
2.89%^*	$100k^*	-	3 Month CD
OTHER TIERS: 2.79% → $1k - $100k
2.89%^*	$100k^*	-	Business 3 Month CD
OTHER TIERS: 2.79% → $1k - $100k

Bay Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.29%^*	$100k^*	-	5 Year IRA
OTHER TIERS: 4.18% → $1k - $100k
4.18%^*	$100k^*	-	4 Year IRA
OTHER TIERS: 4.08% → $1k - $100k
4.08%^*	$100k^*	-	3 Year IRA
OTHER TIERS: 3.98% → $1k - $100k
3.98%^*	$100k^*	-	2 Year IRA
OTHER TIERS: 3.87% → $1k - $100k
3.82%^*	$100k^*	-	18 Month IRA
OTHER TIERS: 3.72% → $1k - $100k
3.67%^*	$100k^*	-	1 Year IRA
OTHER TIERS: 3.56% → $1k - $100k
3.15%^*	$100k^*	-	6 Month IRA
OTHER TIERS: 3.05% → $1k - $100k
2.89%^*	$100k^*	-	3 Month IRA
OTHER TIERS: 2.79% → $1k - $100k
1.01%	$100	-	IRA Savings

Locations

Bay Federal Credit Union Locations
Branch Office	255 Mount Hermon Rd Ste C	Scotts Valley, CA 95066-4080
Branch Office	48 Rancho Del Mar	Aptos, CA 95003
Branch Office	2028 Freedom Blvd	Freedom, CA 95019-2835
Branch Office	420 River St Ste C	Santa Cruz, CA 95060-2671
Branch Office	1481 Main St	Watsonville, CA 95076-3759
Branch Office	3333 Clares St	Capitola, CA 95010-2546
Branch Office	1524 N Main St	Salinas, CA 93906

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