Tax refund

Just like last year, please remember to add the two digit suffix at the end of your member number to tell the IRS where to put your refund. 00 is for savings, 10 is for checking.

For example, when efiling, if your member number is 999999 and you want the refund deposited into your checking account, please put your account number in as 99999910.

Where is my refund? (2/23/17)


Annual Meeting on Tuesday, March 14, 2017

Bay Credit Union's Annual Meeting will be held Tuesday, March 14, 2017, at the Shaddai Temple, 1101 W. 19th Street.  Doors open at 6.  (12/13/16)


New Board Member

We would like to welcome Kelli Garrett, a local realtor, to the Board of Directors. (12/7/16)


Home Mortgage Center opens

Our Home Mortgage Center is now open at our Lynn Haven location.  Call directly at 850-814-7325 for help in refinancing your current home or purchasing a new one in Bay or surrounding counties.  Click here to apply for a mortgage (10/25/16)


Visa transaction alerts

For an option for cardholders to recieve transaction alerts on Visa products, go to



NSF notification change

We are speeding up notification of insufficient funds notifications (NSF) by exclusively sending them by eNotification in Netbranch.



Large Cash Transactions

Federal law requires us to report currency (cash or coin) transactions over $10,000 to the government.
Click here for more information



Auto Loans at 1.5%

Ask about our new low auto rate of 1.5% for a new loan or to refinance your current loan.



New counties added for membership

If you live or work in Bay, Gulf, Jackson, Walton or Washington counties, you may now be eligible to become a member of Bay Credit Union.



Refer a friend, earn up to $50 each

Refer a friend, neighbor, family member or co-worker for services and earn FAST CASH.
Click here for more details



For any issues please email