Bay Federal Credit Union

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A short history of Bay FCU

Since its inception in 1957 the Bay Federal Credit Union has been serving its members in the Capitola, California area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Carrie Birkhofer, the Bay FCU has grown its membership to over 68,268 with assets of more than $907,753,771. They have a main office and 6 branch offices. Please see the credit unions website or contact them by phone at (831) 479-6000 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Capitola, CA.

General Information For Bay FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 12067
Address 3333 Clares St 
City Capitola 
State California 
Zip-Code 95010
Phone Number (831) 479-6000
Fax Number (831) 479-6095
Email Address:
CEO/President Carrie Birkhofer
Members 68,268 
Full-Time Employees 212 
Part-Time Employees
Number of Branch Offices
Total Assets 907,753,771 

Compare Bay Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Santa Cruz Community CU Santa Cruz Community CU 590 Auto Center Dr 95076 (831) 460-2232 No 3.89
Watsonville Hospital CU Main 75 Neilson St 95076 (831) 724-8098 No 9.47
Meriwest CU Cottle Financial Center 5683 Cottle Rd 95153 (877) 637-4937 No 19.86
Alliance CU Robertsville 3315 Almaden Expy 95118 (800) 232-8669 No 20.57
Commonwealth Central CU Silver Creek 5890 Silver Creek Valley Rd 95138 (408) 531-3100 No 21.84

Bay Federal Credit Union Financial Performance Charts

Performance Charts

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Financial Data

Bay Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 14.99 3.99 2.74 4.00 5.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 520 279 70 138 229
Rank Among All California Credit Unions 125 111 31 52 70

Bay Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.05 0.15 2.00 0.05
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 143 124 38 291
Rank Among All California Credit Unions N/A 45 40 5 92
Bay Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 14.99012,13519,310,334
All Other Unsecured Loans/Lines of Credit 12.0002,4793,337,287
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.0002,5535,184,856
New Vehicle Loans 3.9902,73864,024,372
Used Vehicle Loans 2.74012,998175,757,696
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.000822168,908,640
Total Other Real Estate Loans/Lines of Credit 5.00077836,236,891
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 14.9902,13974,029,860
TOTAL LOANS & LEASES 36,642546,789,936

Bay Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 444109,762,2439834,607,550
    b. 15 Years or less 27544,193,275153,036,650
    a. > 15 years 178,262,44641,972,800
    b. 15 Years or less 196,684,6761416,000
Other Fixed Rate 676,00000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 433,362,4108759,500
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 73532,874,4811,0136,683,383
Open-End Fixed Rate 0000
TOTALS 1,600205,145,5311,13947,475,883


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 73532,874,4816,683,383
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Bay Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes