Featured Savings Rates
Featured Accounts
Overview / Commentary
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 1,749th largest credit union in the nation. It was established in 1952 and as of September of 2016, it had grown to 32 employees and 9,905 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.
See current membership details


No reviews have been left for this bank yet. Be the first to review.

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

NCUA #63262
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD0.05%
Return on Equity - YTD0.57%
Annual Interest Income$2.8MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$85.0MM$81.9MM
LoansQ3 2016vs Q3 2015$55.0MM$54.4MM
DepositsQ3 2016vs Q3 2015$75.3MM$72.5MM
Equity CapitalQ3 2016vs Q3 2015$7.7MM$7.7MM
Loan Loss AllowanceQ3 2016vs Q3 2015$540.00K$612.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$148.00K$337.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$217.00K
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Bay CU (FL); we are a rate comparison website and cannot provide official rates or promotions.

* 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

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

0.10%--Money Market Savings
0.10%--Money Market Checking

Bay CU (FL) Checking Account Rates

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

1.26%$1k-60 Month CD
1.10%$1k-48 Month CD
1.04%$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

1.26%$1k-60 Month IRA
1.10%$1k-48 Month IRA
1.04%$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

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