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People Helping People For almost 60 years, Bay Federal Credit Union has been making a real difference in our community. What started out as local teachers pulling their money together, has grown as a local

resource that

can help you own a home, purchase a new car, and prepare for your

financial future.

Becoming a member is easy. Live, work, or volunteer in any of our three local counties and you qualify for membership! Plus, with state


online and mobile banking

of the

solutions, you can bank on your

terms − anytime and anywhere.

Join us today! Apply online at and see what the BayFed difference is all about. SANTACRUZ.COM | GOODTIMES.SC | NOVEMBER 30-DECEMBER 6, 2016

Federally Insured by NCUA. Equal Housing Lender.



November 30-December 6, 2016


November 30-December 6, 2016