False fraud phone calls

We have had reports of members being called stating that their credit card had been compromised and asking for his card number and other financial information.  The number on caller id was 850-628-6672.  This is not a valid phone number for Bay Credit Union nor any of our vendors.  (10/3/17)


Equifax 9/12/17

Equifax announces a cybersecurity incident potentially impacting U.S consumers.  For more information, click here.

Home Equity Loans

Turn the equity in your house into cash for your home purchases.  Apply for a Home Equity Line of Credit (HELOC) today! (8/4/17)


CardValet and Credit Cards

CardValet now works for both debit and credit cards.  Get the same instant alerts for your credit card that you get with your debit card.  Just add your credit card into the same app and help protect them both with your phone.  (5/31/17)


CardValet - Let your phone protect your wallet

Click here for CardValet demo

 Payment cards offer both convenience and risk. You can make purchases easily, but if your cards fall into the wrong hands, your personal accounts are vulnerable. Safeguard your information with CardValet, the mobile app that lets you protect your cards against fraud and theft by receiving real-time alerts to ensure your cards are used only by you. (5/1/17)



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)


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



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




We are an equal opportunity employer, offering a competitive salary and excellent benefits package including medical,dental, life insurance, and a 401(k) plan. We pride ourselves on maintaining quality service to our members, a professional staff, and being an employee-friendly workplace.

It is a fact; people who enjoy their work tend to be more successful. When you work for an organization that believes in the philosophy of “people helping people,” the rewards are numerous. If you are looking for an environment that values trust, respect and teamwork while encouraging open communication, then we invite you to apply for employment at Bay Credit Union.

Available Positions

Chief Financial Officer

Direct and manage all practices and activities in finance and accounting in compliance with State and Federal rules and regulations. Manage auditing, accounting and record keeping activities of the credit union to ensure they meet GAAP. Prepare annual budget, income forecasts, financial analysis and operational changes as needed. Bachelor’s Degree in Finance or Accounting required. 2 years’ experience with credit union accounting. Email resume to rcrisp@baycu.com.

For any issues please email complaint@baycu.com