Bay Federal Credit Union was started 62 years ago when local school teachers pooled their money together to start a credit union. That investment has grown through an amazing journey of involvement into the area’s largest locally-owned financial institution, with over $1 billion in assets. Bay Federal provides full service financial products and solutions to Santa Cruz, Monterey, and San Benito counties. 

Banking

Bay Federal Credit Union

Carrie L. Birkhofer

Christopher Kim

Jack Baldwin

Daniel Wheeler

Csme Amy M. Ivey

Doug Kuepfer

Stephanie Como

Michael Smith

Cameron Haste

Alicia Flores

Rick Weiss

Amy Ivey

Brooke Morley

Patty Winters

Ryan Cash

Megan Rhodes

Allyson Stengl

The Lending Team at Bay Federal Credit Union is responsible for managing and overseeing the credit union's consumer and business lending operations. This includes the origination, processing, and servicing of loans, including mortgages, personal loans, and credit cards. The team works collaboratively to assess credit risk, develop lending products, maintain dealer relationships, and prevent fraud, thereby supporting the financial needs of members across Santa Cruz, Monterey, and San Benito counties.

Lending Team

Leadership Team

Financial Services Team

Directors and Associate Directors

Lending Team

About

Team members

Other teams at Bay Federal Credit Union

Leadership Team

Financial Services Team

Directors and Associate Directors