Take a dash of FL Panhandle personality and mix it with a heaping serving of big city resources, and the result is what you get from Bay Credit Union – local charm with global access. We really know our members because they are our friends and neighbors! Join today and WAVE HELLO to low loan rates, user-friendly technology, and convenient branches!
Bay Credit Union was established in 1952 as International Paper Employees Federal Credit Union. In 1976, our name was changed to Bay County Industrial Credit Union to more adequately reflect our expanded membership. In 1987, the name was changed again to Bay Credit Union when our field of membership was opened to virtually all residents of Bay County.
We offer products and services that serve the needs of ALL our members. With the intent of providing products that support the underserved, we introduced no-credit-check loans to help build credit or meet other short-term needs, share secured loans, and debt consolidation loans to help get members out of high-cost debt.
We provide free financial education courses for local groups and through professional development programs at our select employee groups.
Bay has four physical locations but our members range from Panama City to Key West. We have worked hard to implement a seamless process for serving members across the entire state of Florida completely electronically. Our members can accomplish everything from originating a loan to managing their accounts all without stepping foot in our branch. We are a small credit union with the convenience of a big bank.