CAPITOLA, Calif. — In these tough economic times Bay Federal Credit Union is reminding consumers to 'Think Local First'.

The credit union recently hosted a community meeting to educate consumers about the benefits of doing business with independent and locally owned businesses. The credit union is a member of the 'Think Local First — Santa Cruz' organization, which is a network of local businesses and community organizations joining together to promote economic vitality and preserve the unique character of Santa Cruz County.

“I believe it's our collective goal to make a real difference in our local community and to help each other achieve success,” said Bay Federal CU President/CEO Carrie Birkhoffer.

The key message in the 'Think Local First' campaign is that when more money is recirculated in the community, general prosperity as well as tax revenues increase, creating a more vibrant and sustainable economy.