Contrast News and Promotions | Bay Credit Union

News and Promotions


Gift yourself that truck, car, or SUV you’ve been wishing for and celebrate 90 days of no payments.*

Imagine how much extra cash you’ll have this holiday season without an auto payment! No more running up high-rate credit cards or depleting your checking account. Enjoy a less-stress holiday with “No-Pay-Autodays!” at Bay.

We offer great rates on new and used vehicles!

  • Terms up to 84 months
  • Up to 100% MSRP or NADA
  • Ask us about:
    • GAP (Guaranteed Asset Protection)
    • Bay Debt Protection (Life / Disability / Unemployment)
    • Mechanical Breakdown Coverage / Extended Auto Warranty

Apply Now

*APR = Annual percentage rate. Promotional terms available for new and used automobile loans up to 8 model years old, including loans refinanced from other institutions. Promotional terms are not available for loans currently held by Bay Credit Union. Minimum credit score of 640 required and credit standards apply to be eligible for the 90 days of no payments.  Loan approval, promotional terms, rates, and loan terms are subject to creditworthiness. Interest will begin to accrue the date the loan is funded. First payment due no later than 90 days after loan funding. Promotion may limit purchased GAP coverage.  See GAP addendum for details.  Promotion subject to termination at any time. 

Low rates on boats, RVs, and motorcycles

Let your fun flag fly with low rates

Whether you want to catch the one that got away, pack up the family for a cross country trip, or make waves on the lake, we’ve got you covered this summer. It’s time to raise a flag to fun in the sun!

Rates as low as 3.99% APR* on boats, RVs, and motorcycles!

Apply Now

*APR = Annual Percentage Rate. 3.99% APR available for up to 36 months. Rate will be determined by credit score. Credit standards apply. Bay CU membership required. Offer subject to change at any time. Some restrictions apply, including maximum age of collateral, collateral types, and loan amount.  Contact a loan officer for details.

Recent Tech Upgrades

Bay CU is dedicated to providing a convenient banking experience that will support your financial needs into the future. We've greatly appreciated the patience and understanding of our members during times of transition.


Since completing the recent core conversion, Bay has introduced several new technology improvements and more are on the way!


Some of these upgrades include:

  • Free credit monitoring through Credit Sense
    • Simply login to online banking and click on the Credit Sense image to view and monitor your TransUnion credit report, get recommendations on how to improve your credit, and even dispute erroneous information. 
  • Bill Pay now available in our mobile app
    • Now you can manage all your bill payments right from your phone. 
  • Faster PopMoney transfers within Bill Pay
    • Person-to-person transfers through PopMoney now offer a speedier option through online Bill Pay.
  • Email receipts 
    • A great way to keep track of your visits without holding on to paper receipts. 
  • Faster transactions at the teller line 
    • Spend less time in line as we get you in and out faster.
  • Mobile wallet (coming soon)

Watch our new video tutorials on online, mobile, and bill pay video tutorials.

We are excited to continue improving our technology to meet the growing needs of our members and will keep you up to date with enhancements as they are released. 

Online, Mobile and Bill Pay Video Tutorials

Watch the video tutorial below to learn more about our online banking platform.

Interactive Video Player


Watch the video tutorial below to learn more about our online bill payment platform.

Interactive Video Player


Watch the video tutorial below to learn more about mobile banking platform.

Interactive Video Player


Watch the video tutorial below to learn more about CardValet.

Interactive Video Player


Watch the video tutorial below to learn more about Identity Theft Protection.

Interactive Video Player


Watch the video tutorial below to learn more about PopMoney.

Interactive Video Player

Put Your Money Where Your House Is!  Low Rates on HELOCs

Rates as low as 4.25%APR*

Your home is where your heart is….and it is also where your money is! Make the most of your investment by using the equity you have built to turn your house into your dream castle, wash away all those little debt payments for one monthly installment, or finance your next big ticket purchase!

Apply Now

*APR is Annual Percentage Rate. Credit standards apply and Bay CU membership is required. Rate will be determined by credit score and will adjust annually based on the Wall Street Journal Prime Rate. Loan amounts range from $10,000 to $100,000 with a maximum loan to value of 80% of single family homes that must also be your primary residence. Lower limits and additional restrictions apply to other property types, like manufactured housing. There is a $295 processing fee due at closing, which may come from proceeds. Bay CU pays all other closing costs as long as the loan stays outstanding for 24 months. Ask a Bay CU representative for more information, including fees, draw period, features of the adjustable rate, and any additional requirements. Federally Insured by NCUA. Bay CU NMLS ID# 462113


What you should know about home equity lines of credit

Wiring Instructions

RECEIVING ABA# (or Routing #) 262090120

Receiving Institution:

Corporate America Credit Union         

4365 Crescent Road 

Irondale, AL 35210


BENEFICIARY ABA# (or Routing #) 263281543

Beneficiary Institution:

Bay Credit Union   

601 Highway 231

Panama City, FL 32405



Member’s Name

Member’s Account

Member’s Address