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, click here.

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

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)



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.  Click here 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.
Click here 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.



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




Term Share Certificates Share Rates Loan Rates Fee Schedule

Effective as of: March 21, 2018
Loan Rates
Auto Loans2.99% - 12.50%6 Months - 84 MonthsUp to 125% LTV**
Boat Loans4.49% - 11.25%6 Months - 180 Months***Up to 120% LTV**
RV/Campers Loans4.75% - 14.45%6 Months - 180 Months***Up to 120% LTV**
Motorcycle Loans5.49% - 11.75%6 Months - 72 MonthsUp to 120% LTV**
Signature Loan/Line of Credit6.60% - 10.30%6 Months - 36 Months$10,000.00
Certificate Secured Loan****Dividend Rate plus 2.00% VariesVaries
Share Secured Loan3.00% - 5.50%48 Months - 96 MonthsVaries
VISA Credit Card6.00% - 16.00%N/A$15,000.00
*Annual Percentage Rate (APR) are determined by an evaluation of your credit worthiness for Qualifying interest rates, term and loan-to-value (LTV). The rates listed above are subject to change without notice.
**Loan to Value - Includes GAP Insurance, Warranty, and Tax, Tag and Title Fees
***Minimum loan $20,000 for 72 months, $50,000 for 180 months.
****Loans Secured by a Certificate of Deposit, are calculated by the term of the Certificate of Deposit.

For any issues please email complaint@baycu.com