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)

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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)

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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)

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New Board Member

We would like to welcome Kelli Garrett, a local realtor, to the Board of Directors. (12/7/16)

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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)

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NSF notification change

We are speeding up notification of insufficient funds notifications (NSF) by exclusively sending them by eNotification in Netbranch.

 

(7/15/16)

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

 

(4/22/16)

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.

 

(2/1/16)

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

 

(10/8/14)

Rates

Term Share Certificates Share Rates Loan Rates Fee Schedule

Effective as of: March 01, 2016
APY= Annual Percentage Yield
Share Rates
SHARE TYPEDividend RateAPY*
Regular Shares (Savings)0.05%0.05%
Share Drafts (Checking)0.05%0.05%
Golden Opportunity Savings0.10%0.10%
Golden Opportunity Checking0.10%0.10%
IRA Accumulator0.05%0.05%
Christmas Club Savings0.05%0.05%
Vacation Club Savings0.05%0.05%
Bright Future Savings0.05%0.05%
Young Adult Savings0.05%0.05%
Young Adult Checking0.05%0.05%
Buddy Bear Savings 0.05%0.05%
 
Money Market Savings
$1.00 - $1,999.000.10%0.10%
$2,000.00 - $9,999.000.10%0.10%
$10,000.00 - $24,999.000.10%0.10%
$25,000.00 - $49,000.000.10%0.10%
$50,000.00 0.10%0.10%
 
Money Market Checking
Minimum $1,000.000.10%0.10%
Less than $1,000.000.10%0.10%
 
 
Business Checking
Minimum $2,500.000.05%0.05%
Less than $2,500.000.00%0.00%
Business Savings0.05%0.05%
 

For any issues please email complaint@baycu.com