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Overview / Commentary
850-785-6103
601 N Highway 231
Panama City, FL 32405-4705

Bay CU (FL) is headquartered in Panama City and is the 67th largest credit union in the state of Florida. It is also the 1,766th largest credit union in the nation. It was established in 1952 and as of June of 2016, it had grown to 32 employees and 9,835 members at 3 locations. Bay CU (FL) has an A health rating.

Field of Membership Restrictions

Bay CU is open to anyone who resides or works in these Florida Counties; Bay, Gulf, Jackson, Walton, and Washington. Membership eligibility also extends to include the CU employees, organizations that lack a CU-affiliation, and direct family members of eligible persons.
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Health
A
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Bay CU (FL) has a relatively low asset base.

Health Grade Components

Overall
NCUA #63262
Year Chartered1952
Employees32
Primary Regulator
Profit Margin
Return on Assets - YTD-0.02%
Return on Equity - YTD-0.23%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$83.0MM$80.6MM
LoansQ2 2016vs Q2 2015$54.3MM$55.4MM
DepositsQ2 2016vs Q2 2015$74.1MM$71.6MM
Equity CapitalQ2 2016vs Q2 2015$7.7MM$7.8MM
Loan Loss AllowanceQ2 2016vs Q2 2015$552.00K$583.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$131.00K$435.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$156.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Bay CU (FL) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Golden Opportunity Savings
0.05%$25-Regular Shares
0.05%--Business Savings
0.05%$25-IRA Accumulator
0.05%$25-Christmas Savings
0.05%$25-Vacation Savings
0.05%--Bright Future Savings
0.05%--Young Adult Savings
0.05%$25-Roth IRA Accumulator
0.05%--Buddy Bear Savings

Bay CU (FL) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Money Market Savings
0.10%--Money Market Checking

Bay CU (FL) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Golden Opportunity Checking
0.05%--Share Drafts Checking
0.05%$2,500-Business Checking
0.05%--Young Adult Checking

Bay CU (FL) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%$1k-60 Month CD
1.06%$1k-48 Month CD
1.01%$1k-36 Month CD
0.80%$1k-24 Month CD
0.50%$1k-18 Month CD
0.45%$1k-12 Month CD
0.20%$1k-6 Month CD
0.15%$1k-90 Day CD

Bay CU (FL) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%$1k-60 Month IRA
1.06%$1k-48 Month IRA
1.01%$1k-36 Month IRA
0.80%$1k-24 Month IRA
0.50%$1k-18 Month IRA
0.45%$1k-12 Month IRA
0.20%$1k-6 Month IRA
0.15%$1k-90 Day IRA
Locations


Bay CU (FL) Locations
Branch Office103 S Tyndall PkwyPanama City, FL 32404-6722
Branch Office7713 Front Beach RdPanama City Beach, FL 32407
Branch Office601 N Highway 231Panama City, FL 32405-4705