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Need Financial Help?

During Times Of Financial Hardship -- We're Here To Help

No one can deny that we are living in uncertain times. It is only natural to worry about our financial security. That's why now is the time to act. Bay Cities understands that you may be suffering financial hardship. If your financial situation has changed and you are finding it difficult to maintain timely payments on your loan or loans with us, we may be able to help -- so pick up the phone and call us at 510-690-6100! We'll help you consider all of your options and work with you to find solutions. Here are several options available and one of them may be right for you.

  • Temporary Payment Reduction
  • Hardship Refinance
  • Loan Modification
For first mortgage solutions, the Department of Housing and Urban Development offers counseling for homeowners whose mortgage loans have become delinquent. This counseling could help you avoid foreclosure, and you are urged to seek it. The Department of Housing and Urban Development can be reached at
1-800-569-4287 or TYY 800-877-8339.
  • Preserve your legacy. Update your estate planning, and make sure your will, trust and other legal documents are current and complete. Attend one of the Credit Union's Free Family Trust Seminars presented by renouned Financial Planning Attorney Steven Davidson.

  • Be skeptical about what you read, see or hear. The media aren't smarter than you.

  • Be realistic. Although we may have many good reasons to be highly optimistic, there's no denying that our nation faces serious problems. Focused attention to these problems will lead to positive resolution.
Still, the road may be slow and bumpy, with unexpected turns, so be realistic, patient and confident.

Bay Cities has just added a great new tool for our members. Debt in Focus is a free and anonymous service that will help you bring your debt into focus. Simply answer a few questions about your income and current debts, and a financial analysis will provide a wealth of information to help you put your Debt in Focus! It only takes a couple minutes, so click here to get started. You'll love this great new tool.


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We Do Business in Accordance With Federal Fair Lending Laws
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. NCUA National Credit Union Administration, a U.S. Government Agency.

revised 9.15.2009
This page may contain links that take you off the Bay Cities website. Bay Cities is not responsible for content or availability of linked sites. We do not provide, and are not responsible for, the product, service, or overall website content available at any linked third-party sites. Bay Cities does not represent either the third party site or the viewer if the two enter into a transaction. The Credit Union's privacy polices do not apply to linked websites and you should consult the privacy disclosures on that site for further information.