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Bay Federal Credit Union Auto Loans

Bay FCU Auto LoansBay Federal Credit Union is a full-service, nonprofit cooperative that operates in the Tri-County area:  Santa Cruz, Monterey, and San Benito County. Bay Federal is available where you live, work and play. They offer a full range of services including auto, mortgage and personal loans.

Bay FCU Auto Loans

Many auto loan options are flexible with a wide variety offered to individuals and businesses. Bay Federal offers new and used auto loans with interest rates starting as low as 2.24 percent. With a Bay Federal auto loan you can choose a loan term that really fits your needs. Need extra cash for emergency? The Auto Loan Skip Payment program allows you to skip a payment one a year. Simply submit a request form and $30 fee; you’ll be able to use those extra funds for any unexpected expense that may come up.

To apply for an auto loan, individuals and businesses are encouraged to visit Bay Federal’s online application page or one of the 7 branch locations. Bay Federal will consider a wide range of credit scores and histories, as well as lower interest rates. All applicants are required to verify their applications. Verification information includes: state issued driver’s license, proof of employment and proof of insurance. Once you submit to a credit check the approval process is just a short time away. If you do not meet the requirements you may be subject to high interest rates or you may be denied.

Current Direction

Bay Federal Credit Union operates on the philosophy of “people helping people” which is demonstrated everyday through exceptional service, assistance from a workforce that cares about you, and competitive, affordable financial products. Bay Federal board of directors is made up of unpaid volunteers that oversee that oversee the strategic directions of the credit union.

Contact Information

If you would like more information about Bay Federal Credit Union auto loans or any of the other services offered, you can visit:

You may also a contract customer service representative by calling 831.479.6000 or 888.4BAYFED. Additionally you may reach Bay Federal Credit Union by mail at:

Bay Federal Credit Union
3333 Clares Street,
Capitola, CA 95010
831.479.6000 or 888.4BAYFED

Monday, Tuesday & Thursday 8 AM – 5 PM,
Wednesday 10 AM – 5 PM,
Friday from 8 AM – 6 PM
Saturdays from 9 AM – 3 PM.