A group of forward-thinking individuals, employees of the Sohio Toledo Refinery, pooled their assets and set this credit union in motion. It started with 11 members and $70 in assets. At Bay Area Credit Union, we strive to stay up-to-date with the latest in technology, products and services. We pride ourselves in offering "big-bank" products without the "big-bank" attitude, and continually demonstrate our dedication to serving our members and our community.
Services
What's BONUS checking? A checking account that pays YOU! Instead of charging service fees and minimum balance charges, we pay you high dividends every month. Plus, it refunds your ATM fees nationwide, not just in NW Ohio. Plus, link it to free BONUS Saver for automatic savings, so you keep more money in your pocket every month.
At Bay Area Credit Union we love hearing from you. A Financial Service Representative will get back to you promptly. Email is not a secure form of communication. Bay Area Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines.
Maximize returns while minimizing effort. Our insured Money Market Account combines the advantages of an investment account with the convenience of a checking account. Make the most of funds via tiered-rates, providing higher balances with even higher rates. At the same time, maintain convenient access to your funds.
If you are looking for a risk-free, fixed rate investment, Bay Area Credit Union offers competitive dividends and flexible terms of 6 months to 60 months on our Certificates. Regardless which type of IRA account you select, an IRA Share Certificate is an attractive investment option. Terms range from 6 months to 60 months.
An IRA is a tax-advantaged* savings plan built around your individual needs. It's easy to start, affordable, and can make a world of difference in your retirement living. Bay Area Credit Union's IRAs offer competitive dividend rates, insured deposits, payroll deduction, no annual maintenance fees, comfortable minimum deposit requirements, and personalized answers to your questions.
Reviews (9)
Sam Rayner
Feb 02, 2022
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I had better service at the bigger banks like capital One and Discover. They charge so many fees and interest charges and they aren’t lenient, especially when you miss one payment for the first time. I have banked with them for years but the fees are ridiculous. Other banks have better overdraft protections and they are more understanding to your situation. I would look at other banks before coming to this one. I plan on closing my accounts soon and transferring banks
Val Lutman
Nov 11, 2021
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Jeremy Haase
Oct 27, 2021
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Alex Napoletano
Oct 12, 2021
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I needed a personal loan to pay off a few things and get my monthly expenses down. Sara was an amazing help in making sure that we tackled the most expensive ones that were going to cost the most in the long run. She was and still is very professional and very prompt with responses and information. I will definitely be going here for the future if I ever need a loan again. THANK YOU SARA FOR ALL OF YOUR HELP!
Ann Granny
Sep 18, 2021
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I've recently switched banks to Bay Area Credit Union. I was a bit hesitant but was ensured by Devin that BACU was the right choice when it came to customer service and products. He seemed the most knowledgeable out of everyone iv talked to. On top of that he didn't make me feel just like any old customer he made me feel important. That's hard to come by now a days. Thanks to him I don't regret my decision and don't see myself switching institutions anytime soon.
Sean Anderson
Sep 16, 2021
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I've been a member of the Bay Area Credit Union family for over a decade. Never have I once thought of leaving. All of the staff are friendly and helpful but I would like too highlight two ladies that stand out to me. Christine Briones has been with BACU for many years and has always done a wonderful job. Sarah Derr is new to the team and is as professional as she is courteous. With good people like that there is little doubt in my mind that BACU IS #1!...
P.S. Call Mrs. Derr, Tri-Sarah-Tops... inside joke 😊
P.S. Call Mrs. Derr, Tri-Sarah-Tops... inside joke 😊
Kris Downey
Jul 16, 2021
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We left Ohio in 2014 but never left Bay Area Credit Union. We now live in California and find no reason to switch financial institutions. Our accounts are fully available through It'sMe24 online banking and ATM fees get refunded. The CU is never more than a click or phone call away. We always turn to Bay Area first for our financial needs. Thanks Bay Area, and Boomer your mascot, for all you do for your members and the community at large.
Dennis Hairabedian
Jul 01, 2021
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Great credit union that offers great rates, customer service and gives back to it's members and community, I personally have had multiple car loans and a personal loan taken out and always had great customer service and rates on each of them! Christine helped me in my drive thru service today which was a quick and pleasant experience! I will be setting up a savings account for my newborn child thanks to talking with her. I recommend to all my friends and family
Becky D.
Mar 27, 2019
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