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.



Credit Cards

VISA Gold® Credit Card

Bay Credit Union offers a VISA Gold® for you!

  • Rate as low as 9.50% to 16.00% APR
  • No annual fees
  • Earn UChoose points with each purchase

VISA Platinum® Credit Card

Bay Credit Union offers a VISA Platinum® for you!

  • Rate as low as 6.00% to 9.00% APR
  • No annual fees
  • Earn UChoose points with each purchase
View the VISA Agreement
View the VISA Disclosure

Credit Builder Credit Card

Bay Credit Union has a secured VISA credit card to help you establish your credit:

  • The rate is 13.44% APR
  • The annual fee is $15.00
  • No extras charges for cash advances
  • Payment protection available

UChoose Rewards

Both Visa Credit and Visa Debit cards earn reward points. (Debit card purchases must be signature based transactions to earn points.)


We need to be notified if you are traveling out of the area and plan to use your Bay Credit Union Visa Credit or Debit cards. For your protection against fraud, and due to insurance regulations, we must receive this notification in writing. You may do this by filling out a Travel Notification Form and bringing it into any one of our branches, go to a branch and fill out the form, or you may log in to your online banking account and send us a secure message through the "Messages" section that states your dates of travel, location of travel, and the last 4 digits of the card or cards you would like opened for travel.

For any issues please email complaint@baycu.com