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.



Savings / Investment Accounts

We Make It Easy!
Saving at Bay Credit Union is very easy when you enjoy these convenient services.

Let Bay Credit Union Show You How to Support your Future!
The importance of a sound savings plan is more important than ever in today's ever-changing economic climate. Don't put off starting a savings account a minute longer! Turn to Bay Credit Union for the answers and options you need to build financial strength and stability

Feather Your Nest
As a member of Bay Credit Union you are also an owner. Ownership in the credit union is represented by a savings account, and it's right here - with your savings account - that your savings plan begins! As a privilege of membership, you earn interest on your savings which are generally higher than the interest paid elsewhere.

Fully Insured for Peace of Mind
Bay Credit Union is ideally suited to be your first choice in financial matters. In fact, if your money is entrusted to Bay Credit Union, it couldn't be in a safer place. Like other insured financial institutions, Bay Credit Union is covered by an insurance fund established and maintained to protect your money.

Regular Savings Accounts

  • Minimum required balance $25.00
  • Your savings federally insured to $250,000.00 by NCUA, National Credit Union Administration, a U.S. Government Agency

Christmas Club/Vacation Club

Bay Credit Union also offers you these other types of savings accounts.

Buddy Bear Savings

Savings account for minors – Start teaching your children and grandchildren now about the importance of saving for their future. (Must have a legal guardian over the age of 18 as joint on the account until the minor turns 18)

Money Market Savings Accounts

Pays a higher interest rate than a regular savings account with up to three withdrawals per month. Interest rate may fluctuate monthly based on local and national markets. Interest will be posted monthly based on daily balances. Must open with a $1,000.00 initial deposit.

Golden Opportunity Accounts

The Golden Opportunity Checking and Savings Accounts (must have both savings and checking to receive Golden Opportunity benefits) were established for those members who are 55 years or above. Account benefits include:

  • Free Travelers Checks
  • Free Money Orders
  • Special rates on Deposit accounts
  • 25% discount on Safe Deposit Boxes

Call a Member Services Representative today (850-785-6103) for more information!

Individual Retirement Accounts

IRA / Certificates of Deposit
Minimum deposit of $1,000.00

IRA Accumulators
Minimum deposit of $25.00

Certificates of Deposit

Customize your investment program with these flexible Term Share Certificate options:
  • Minimum deposit of $1,000.00
  • Interest compounded monthly on 6 month certificates and quarterly on all others.
Available Certificates:
  • 6 Month
  • 12 Month
  • 18 Month
  • 24 Month
  • 36 Month
  • 48 Month
  • 60 Month

For any issues please email complaint@baycu.com