About Us

Bay Credit Union was established in August of 1952 as International Paper Employees Federal Credit Union. In 1976 the name was changed to Bay County Industrial Credit Union to more adequately reflect the expanded membership. Again in 1987 the name was changed to Bay Credit Union when our field of membership was opened to virtually all residents of Bay County. In 2016 we expanded our field of membership to include anyone who lives or works in Bay, Gulf, Jackson, Walton, and Washington counties in Florida.

If you Live or Work in Bay, Gulf, Jackson, Walton, and Washington counties, you are eligible for membership!

Bay Credit Union's Mission


Our mission at Bay Credit Union is simply stated but a challenge to accomplish!

Provide the best possible financial and depository services to meet the members' needs, promote growth and stability, and enhance our community image. We must all strive to constantly improve in these areas in order to compete in the highly competitive financial institution environment.


Membership at Bay Credit Union

We are a community Credit Union. This means that Membership in this Credit Union is limited to those persons who live or work in Bay, Gulf, Jackson, Walton, or Washington counties in Florida; employees of this Credit Union; organizations of such persons not covered by a credit union of their own or members of the immediate families of any of the above.



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