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.



Home Mortgages

Bay Credit Union offers a wide selection of mortgage products to suit your needs:

Home Purchases

  • Conventional
  • FHA
  • VA
  • USDA

Bay Credit Union has some of the very best rates in this area! Let us help you make that dream of home ownership come true! At Bay Credit Union we strive to give you the best service available anywhere.

Home Equity Lines of Credit

Bay Credit Union has a great Home Equity Line of Credit Program!

  • We lend up to 90% of the value of your home
  • Comfortable terms up to 15 years

Vacant Land Loans

Bay Credit Union offers one of the best Land loans in the area.

  • Rates as Low as 8.00% fixed
  • Loan terms up to 15 years
  • Up to 90% financing
  • Fixed and adjustable rate options

Other Mortgage Products

Bay Credit Union also offers many other types of loans.

  • Second Mortgages
  • Home Equity Loans
  • Land And Mobile Homes
  • 1-4 Family properties
  • Condominiums
  • Second Homes
  • Vacation and Retirement Homes

Contact our Mortgage Department for you Mortgage needs.

Esther Lowe
NMLS #1698325
850- 872-3630


For any issues please email complaint@baycu.com