Capitola, CA – August 13, 2026 - Bay Federal Credit Union is pleased to announce the appointment of Chris Heck to Vice President, Business Services. In this role, Mr. Heck will lead the development and growth of Bay Federal's Business Services Department, overseeing business loan origination, underwriting, portfolio management, business deposit services, and treasury management, while expanding the credit union's lending and deposit products for local business members. 

Mr. Heck brings more than 30 years of commercial banking experience with banks and credit unions. He began his career as a teller and worked his way up to senior leadership. Most recently, he served as VP, Business Services at Peak Credit Union. Prior to that, he was VP, Commercial Banker at First Citizens Bank, and held roles at Venture Bank, starting as a Commercial Loan Assistant before advancing to VP, Commercial Banker. 

Mr. Heck holds a Commercial Lending Certification and completed the Western CUNA Management School program from 2015 to 2017. He previously served on the board of the United Way of Lewis County in Chehalis, Washington, including a term as Board President, from 2005 to 2013. 

Outside of work, Mr. Heck and his wife, Crystal, have three children, ages 25, 21, and 10. He enjoys playing golf, barbecuing, and cheering on his youngest as she competes in her various athletic activities. 

"Stepping into the role of VP, Business Services at Bay Federal Credit Union is a great honor," said Mr. Heck. "Our communities thrive when local businesses thrive. I'm excited to work with our incredible team in continuing to champion and support local businesses, strengthen community partnerships, and help build the kind of financial support system that empowers growth at every level of our business membership." 

About Bay Federal Credit Union 

Bay Federal Credit Union is a full-service, not-for-profit financial institution that serves over 96,000 members, including 3,100 local businesses and nonprofit organizations throughout Santa Cruz, San Benito, and Monterey counties. With more than $1.8 billion in assets, Bay Federal is the largest member-owned financial institution in the region. The organization has been proudly serving its members and the community since 1957. Bay Federal is a certified Community Development Financial Institution, with a primary mission of promoting community development alongside their financial activities. Bay Federal has an award-winning employee volunteer program in which employees have given their own money and volunteer for numerous local schools, nonprofit organizations, and community events each year. 

Contact: Mark Ely, SVP, Chief Marketing Officer  
Bay Federal Credit Union 
831.477.8608 
mely@bayfed.com