NCUA-insured credit union
Bay
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 |
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 |