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, Go there


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

Go there 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.  Go there 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.
Go there 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.




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

Full- Time Teller Position Available

Job Description Position: Teller

Responsible for providing a variety of paying and receiving functions for members in person, via phone, and through the mail, including processing deposits, withdrawals, loan payments, cashiers' checks, money orders, and cash advances. Balances each day's transactions and verifies cash totals. Answer members' questions regarding Credit Union services available and perform a variety of account maintenance duties in a prompt and professional manner. Actively cross-sell other credit union products and services.

Provides fast, accurate and friendly service to all members and non-members.

  • Receives, verifies and disburses member cash and check transactions including share deposits, transfers and loan payments.
  • Processes cash advances, travelers' checks, cashiers' checks, money orders, bank-to-bank wires.
  • Balances daily transactions and verifies cash totals. Investigates and resolves out-of-balance conditions.
  • Cross sell other credit union products and services that may enhance the member’s financial relationship with the credit union. All employees are required to have a working knowledge of all credit union products and services and be able to relay them to members and prospective members.
  • Knowledge of federal and state regulations concerning teller transactions and functions.
  • Receives and directs members and telephone calls. Responds to inquiries and questions if possible or directs them as necessary.
  • Other duties as assigned

Job descriptions assist organizations in ensuring that the hiring process is fairly administered and that qualified employees are selected They are also essential to an effective appraisal system and related promotion, transfer, layoff, and termination decisions. Well-constructed job descriptions are an integral part of any effective compensation system.

All descriptions have been reviewed to ensure that only essential functions and basic duties have been included Peripheral tasks, only incidentally related to each position, have been excluded Requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions. In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all-inclusive. Additional functions and requirements may be assigned by supervisors as deemed appropriate.

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.

Job descriptions are not intended as and do not create employment contracts. The organization maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law.

For any issues please email complaint@baycu.com