Bay Federal Credit Union User Reviews

Customer Experience

Positive experience71.4% of reviews
Neutral6.0% of reviews
Negative experience22.6% of reviews

~ Based on 84 written reviews from the US App Store.

What users say

Is Bay Federal Credit Union Safe?

Bay Federal Credit Union appears safe based on user ratings. AppsHunter Safety Score for Bay Federal Credit Union is 96/100.

This assessment is based on 7,675 user ratings, with an App Store average of 4.8/5.

Safety Analysis

96.2% of ratings point to a safe experience
1.8% of ratings suggest some concerns
2.0% of ratings point to a risky experience

~ Based on 7,021 App Store ratings for Bay Federal Credit Union.

Is Bay Federal Credit Union Legit?

Bay Federal Credit Union appears to be a legitimate app. AppsHunter Legitimacy Score for Bay Federal Credit Union is 83/100.

Based on 83 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

It’s good

Had to write this review so it would stop asking me to write a review, it didn’t stop it from asking me to write a review every time I log in so now I’m giving it one star even though I really like the app

It’s good

Had to write this review so it would stop asking me to write a review

Survey

Great!!! Easy access to all my accounts!

Annoying every log

Just quite annoying

Notifications delay

I only get the notification about my account activity WHEN I’m logged in NOT when a transaction is happening.

Simple and easy to navigate

I’ve been using this app for almost a decade, and I’ve always loved it. Never had any problems. Customer support is great. Amazing, easy, and trusted.

❤️❤️❤️❤️❤️

Love Bay federal credit union ❤️

Best bank !

Amazing I love everything about bay federal!

New app

The new app is very slow at startup and not easy to use. I hope for an update in the near future.

No complaints

The app works well it does everything I wanted to do and I really haven’t had very many issues. No complaints.

Deposit

Good

Bring back quick balance or the widget.

Update #2 9/7/25 - gah! I'm a goof. I realized that perhaps I should remove the app and re-install to see if the quick bal works after that. And lo and behold it did. Whew! Thank you for fixing that. I feel whole again 😉

Update 9/7/25 - the quick balance feature still does not work, so the widget does not work. I don't understand why we can't have this seemingly simple feature work correctly. I keep getting error messages when I try to enable quick balance. I swear it's been over a year since my last look.

OG
Now the quick balance doesn't even work on the Apple Watch.. most of the other banks out there can manage this feature. Please bring back the widget!!!
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Gracias Bay Federal por la aplicación,por que así me siento más informado sobre mi cuenta Bancaria.

⭐️⭐️⭐️⭐️⭐️

Great Banking Choice

Highly recommend banking with Bay Federal

Bring back quick balance or the widget.

Now the quick balance doesn't even work on the Apple Watch.. most of the other banks out there can manage this feature. Please bring back the widget!!!

Can’t uninstall

I tried to uninstall and there’s no option so now I’m stuck with this app

Best Credit Union in Santa Cruz

I love Bay Fed! Get all your financial needs met in one place. Exceptional service on every level with staff that always have smiles on their faces. Best financial institute in Santa Cruz County.

Overall, amazing

Amazing, easy, and trusted. My only complaint is not being able to see pictures of previously deposited checks.

most transactions are posted the same business day

Bay Federal is easy to use have good resources and not overly complicated. My favorite part is that when I schedule transfers or make payments they are posted almost instantly so I don’t have to worry about pending transactions.

Please bring the widget back!!

How is it that I can get my balance on my smartwatch but it's no longer available on my smart phone? Please bring it back for iOS 18!!! It was incredibly convenient.