Bay Federal Credit Union

Individuals who live, work, worship or attend school in any of the listed counties are eligible.

“The membership page asks: "Do you live, work, worship, or attend school in Santa Cruz, San Benito, or Monterey County? ... Then you're likely eligible!"”

Businesses (sole proprietorships, partnerships, corporations, clubs, non-profits and other types) physically located or headquartered in the listed counties are eligible.

“In the FAQ, Bay Federal states that "Sole proprietorships, partnerships, corporations, clubs, non-profits, and various other types of businesses that are physically located or headquartered in Santa Cruz, San Benito, or Monterey counties are eligible for business membership"”

Immediate family and household members of an existing member can join. Bay Federal's FAQ explains that membership is open to people who have an immediate family member with an account at the credit union. An immediate family member includes spouses, children, siblings, parents, grandparents, grandchildren, stepparents, stepchildren, stepsiblings, adoptive relationships and individuals living in the same residence and maintaining a single economic unit.

“Bay Federal membership is open to people and businesses. ... Someone may also qualify if an immediate family member has an account with Bay Federal. An immediate family member includes a spouse, child, sibling, parent, grandparent/grandchild, stepparents/children/siblings, adoptive relationships and persons living in the same residence and maintaining a single economic unit”