NCUA-insured credit union
Bay — Capitola, CA
Credit Union headquartered in Capitola, California.
Source: NCUA call report data, data as of March 31, 2026, fetched September 5, 2026
Headquarters and contact
| Address | 3333 Clares St Capitola, CA 95010 |
| County | Santa Cruz |
| Website | not published in NCUA data |
| Phone | (831) 479-6000 |
NCUA record
| NCUA Charter | 12067 |
| Federal Reserve RSSD ID | 280688 |
| Status | Active |
| Charter type | 1 (NCUA) |
| Financials as of | March 31, 2026 |
How to find your Bay routing number
NCUA does not publish ABA routing numbers, and many credit unions use different routing numbers by state or by account type. The reliable places to find yours: the bottom left of a check from this credit union, the "account details" screen in its online banking, or its official website.
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Offices
| Corporate Office main office Capitola, CA |
3333 Clares St, 95010 (831) 479-6000 9:00 am to 5:00 pm M, T, TH 10:00 am to 5:00 pm Wednesday 9:00 am to 6:00 pm Friday 9:00 am to 3:00 pm Saturday |
| Aptos Branch Aptos, CA |
48 Rancho Del Mar, 95003 (831) 479-6000 9:00 am to 5:00 pm M, T, TH 10:00 am to 5:00 pm Wednesday 9:00 am to 6:00 pm Friday 9:00 am to 3:00 pm Saturday |
| Freedom Branch Freedom, CA |
2028 Freedom Blvd, 95019 (831) 479-6000 9:00 am to 5:00 pm M, T, TH 10:00 am to 5:00 pm Wednesday 9:00 am to 6:00 pm Friday 9:00 am to 3:00 pm Saturday |
| Marina Branch Marina, CA |
140 10Th St Ste 20, 93933 (831) 479-6000 M, T, Th, F 9 am - 5 pm; W 10 am - 5 pm; Sat 9 am - 3 pm |
| Salinas Main Salinas, CA |
1524 N Main St, 93906 (831) 479-6000 9:00 am to 5:00 pm M, T, TH10:00 am to 5:00 pm Wednesday9:00 am to 6:00 pm Friday9:00 am to 3:00 pm Saturday |
| River Street Santa Cruz, CA |
420 River St Ste C, 95060 (831) 479-6000 9:00 am to 5:00 pm M, T, TH 10:00 am to 5:00 pm Wednesday 9:00 am to 6:00 pm Friday 9:00 am to 3:00 pm Saturday |
| Scotts Valley Scotts Valley, CA |
255 Mount Hermon Rd Ste C, 95066 (831) 479-6000 9:00 am to 5:00 pm M, T, TH 10:00 am to 5:00 pm Wednesday 9:00 am to 6:00 pm Friday 9:00 am to 3:00 pm Saturday |
| Watsonville Branch Watsonville, CA |
1481 Main St, 95076 (831) 479-6000 9:00 am to 5:00 pm M, T, TH 10:00 am to 5:00 pm Wednesday 9:00 am to 6:00 pm Friday 9:00 am to 3:00 pm Saturday |
Where Bay has offices
Cities with the most Bay offices
Largest credit unions headquartered elsewhere in California
| Schoolsfirst Santa Ana | $36.74 billion |
| First Technology San Jose | $28.58 billion |
| the Golden 1 Sacramento | $21.74 billion |
| Redwood Santa Rosa | $9.95 billion |
| Logix Valencia | $9.72 billion |
| Patelco Dublin | $9.62 billion |
| Star One Sunnyvale | $9.58 billion |
| San Diego County San Diego | $9.38 billion |
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