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.



Auto Dealerships

Local Car Dealerships: New and Used

Bay Lincoln ,Mercury, Dodge, Chrysler, Jeep, Mitsubishi, Hyundai, Suzuki

Bill Byrd Kia

Bill Cramer Chevrolet

AutoNation of Panama City

John Lee Nissan

Honda - Volkswagen of Panama City

Panama City Toyota

Local Boat Dealerships

Glasstream 850-873-6205

Gulf Marine 850-215-4278

Harts Marine 850-215-4278

Ron's Kawasaki 850-785-5641

Ole Lighthouse Marine 850-763-0782

PC Yatch Sales 850-763-5233

Pontoon Depot 850-636-3003

Rivercraft Marine 850-871-2920

Treasure Island Marina 850-234-6533

Yamaha Sea-Doo 850-769-3423

Local Motorcycle Dealerships

Barracuda Suzuki 850-244-3394

Beach Hawg 850-230-8000

Big Bike Honda 850-763-0691

California Cycles 850-233-1391

Dothan Harley-Davidson 334-792-0063

Heritage Cycles 850-862-4706

Ron's Kawasaki 850-785-5641

Sports Center 850-769-3423

Local RV / Camper Dealerships

Emerald Coast RV 850-233-8301

Holiday on Wheels 850-784-6055

GuRV Connections 850-763-9400

Wayne's World 850-230-6300

For any issues please email complaint@baycu.com