Federal credit union, insured by the NCUA
Bay Federal Credit Union
Headquarters: Capitola, CA
- Members
- 96,735
- Total assets
- $1.9 billion
- Locations
- 8
- Insurance
- NCUA
All 8 locations
California 8
- Corporate Office3333 Clares St · Capitola · Main officeHours as filed
- Aptos Branch48 Rancho del Mar · AptosHours as filed
- Freedom Branch2028 Freedom Blvd · FreedomHours as filed
- Marina Branch140 10th St Ste 20 · MarinaHours as filed
- Salinas Main1524 N Main St · SalinasHours as filed
- River Street420 River St Ste C · Santa CruzHours as filed
- Scotts Valley255 Mount Hermon Rd Ste C · Scotts ValleyHours as filed
- Watsonville Branch1481 Main St · WatsonvilleHours as filed
Who can join
Insured by the NCUA up to $250,000 per member, per ownership category. Each credit union decides who can join, for example people who live or work in an area, belong to a group, or work for an employer. The NCUA file does not list those rules; the credit union website does.
Members and assets as reported to the NCUA for the quarter ending June 30, 2026.