Bay Area Credit Union: Services

Bay Area CU Mortgages

• Mortgage Lending

  Secure a home loan with competitive rates and personalized service at Bay Area Credit Union. Perfect for purchasing your dream home in Oregon, Ohio and all other service areas.

• First Time Homebuyer Program

  Special programs for first-time homebuyers, offering low down payments and educational resources at Bay Area Credit Union in Oregon, Ohio and all other service areas.

• Mortgage Processing

  Streamlined mortgage processing ensures fast approvals and stress-free transactions at Bay Area Credit Union in Oregon, Ohio and all other service areas.

• Approved Mortgage Seller

  As an approved mortgage seller, Bay Area Credit Union offers reliable and secure home financing options in Oregon, Ohio and all other service areas.

• Fixed Rate Mortgages > 15 Years

  Enjoy stable payments with fixed-rate mortgages over 15 years. Ideal for long-term planning with Bay Area Credit Union in Oregon, Ohio and all other service areas.

• Fixed Rate Mortgages 15 Years or Less

  Short-term fixed-rate mortgages offer lower interest rates and faster payoff times. Perfect for those planning to stay long-term with Bay Area Credit Union in Oregon, Ohio and all other service areas.

Bay Area CU Savings

• Savings Accounts (Regular Share Savings)

  Start saving today and build your nest egg with a regular share savings account. Enjoy competitive interest rates and easy access to your funds. According to the NCUA, Bay Area Credit Union has 7,272 active Share Savings accounts held by members in Oregon, Ohio and all other service areas.

• Money Market Accounts

  Earn higher interest rates with flexible money market accounts. These accounts offer the benefits of both savings and checking accounts, allowing easy access to your funds while earning more. According to the NCUA, Bay Area Credit Union has 126 active Money Market accounts totaling $8,502,965 held by members in Oregon, Ohio and all other service areas.

• Share Certificates (CDs)

  Start earning more with low-minimum balance share certificates. These certificates of deposit (CDs) offer higher interest rates compared to regular savings accounts, making them an excellent option for long-term savings. According to the NCUA, Bay Area Credit Union has 417 active Share Certificates held by members in Oregon, Ohio and all other service areas.

• IRA/KEOGH

  Prepare for your future with Individual Retirement Account (IRA) and KEOGH plans. These accounts offer tax-advantaged savings options to help you plan for a comfortable retirement, aligning with your long-term financial goals. According to the NCUA, Bay Area Credit Union has 241 active IRA/KEOGH accounts held by members in Oregon, Ohio and all other service areas.

eServices

• Mobile Banking

  Manage your finances on the go with our Mobile Banking app. Check balances, transfer funds, pay bills, and more, all from the convenience of your smartphone. Stay connected with your accounts anytime, anywhere with Bay Area CU's secure mobile banking services.

• Bill Pay

  Conveniently pay your bills online with our Bill Pay service. Schedule one-time or recurring payments and manage all your bills in one place at Bay Area Credit Union in Oregon, Ohio and all other service areas.

• Membership Application

  Join Bay Area Credit Union today by filling out our Membership Application. Enjoy the benefits of credit union membership, including lower fees and better rates, in Oregon, Ohio and all other service areas

• Apply for a New Loan

  Apply for a new loan with Bay Area Credit Union. Our easy online application process ensures you get the financing you need quickly and conveniently in Oregon, Ohio and all other service areas

• Open a New Share Account

  Open a new share account at Bay Area Credit Union. Enjoy the benefits of saving with competitive rates and secure access to your funds in Oregon, Ohio and all other service areas

• Online Loan Payments

  Make loan payments online with ease. Our secure online payment system allows you to manage your loan repayments quickly and conveniently at Bay Area Credit Union in Oregon, Ohio and all other service areas

• Electronic Signature Authentication/Certification

  Ensure your documents are secure and legally binding with our Electronic Signature Authentication/Certification services. Bay Area Credit Union provides trusted e-signature solutions for members in Oregon, Ohio and all other service areas

• e-Statements

  Go green with e-Statements. Access your account statements electronically, reducing paper waste and ensuring you have quick access to your financial information with Bay Area Credit Union in Oregon, Ohio and all other service areas

• Transfer to External Accounts

  Transfer funds to your external accounts seamlessly with Bay Area Credit Union. Enjoy the convenience of managing all your financial transactions in one place, serving members in Oregon, Ohio and all other service areas

• Remote Deposit Capture

  Deposit checks remotely using your mobile device with Remote Deposit Capture. Bay Area Credit Union offers this convenient service to make banking easier for members in Oregon, Ohio and all other service areas

• Mobile Payments

  Make payments on the go with Mobile Payments. Use your smartphone to pay bills, transfer funds, and more with Bay Area Credit Union's secure mobile banking services in Oregon, Ohio and all other service areas

Bay Area CU Checking

• Checking Accounts (Share Draft)

  Manage your daily finances with convenient checking accounts. Enjoy features like online banking, bill pay, and easy access to your funds. According to the NCUA, Bay Area CU has 3,095 checking accounts held by members in Oregon, Ohio and all other service areas

• Free Share Drafts / Free Checking

  Benefit from free share drafts with special checking account services. Enjoy no monthly fees, free checks, and access to all the conveniences of a checking account at Bay Area CU in Oregon, Ohio and all other service areas

Contact the credit union to reorder checks.

Bay Area CU Credit Cards

Bay Area CU currently provides unsecured credit cards to 1,000 members totaling $2.36 Million in credit card loans with a beginning interest rate of 12.95%, according to the NCUA.

• Credit Cards

  Bay Area credit cards are designed to help you build or improve your credit score. Enjoy competitive interest rates, rewards, and the convenience of managing your expenses.

Bay Area CU Financial Education

• Financial Counseling

  Receive personalized advice to help you manage your finances effectively. Our financial counseling services at Bay Area CU are designed to assist you in achieving your financial goals and ensuring a secure financial future.

• Financial Education

  Access a wealth of resources and information to increase your financial knowledge. Bay Area CU offers educational materials and guidance to help you make informed financial decisions.

Bay Area CU Auto Loans

Bay Area Credit Union offers new auto loans to over 200 members and used auto loans to over 1,000 members, with an average loan amount of $16,000 per vehicle. Enjoy competitive rates starting at 6.95% for new auto loans and 6.95% for used auto loans, according to the NCUA.

Bay Area CU Online Banking

• Bay Area Credit Union Online Banking

  Manage your accounts anytime, anywhere with Bay Area Credit Union Online Banking. Access a wide range of services including checking balances, transferring funds, paying bills, and more, all from the convenience of your home or on the go.

Additional Services

• No Cost Share Drafts

  Take advantage of no-cost share drafts with our special checking account services. Enjoy the benefits of free checks and manage your finances efficiently with Bay Area CU.

• Share Certificates with Low Minimum Balance Requirements

  Invest in share certificates with low minimum balance requirements. Earn higher interest rates while enjoying the flexibility and accessibility offered by Bay Area CU.

• Financial Counseling

  Receive personalized advice to help you manage your finances effectively. Our financial counseling services at Bay Area CU are designed to assist you in achieving your financial goals and ensuring a secure financial future.

• Financial Education

  Access a wealth of resources and information to increase your financial knowledge. Bay Area CU offers educational materials and guidance to help you make informed financial decisions.

• First Time Homebuyer Program

  Take the first step towards homeownership with our First Time Homebuyer Program. Bay Area CU provides resources, advice, and favorable terms to help you purchase your first home.

• Credit Management and Repair

  Improve and manage your credit with our Credit Management and Repair services. Bay Area CU provides tools and guidance to help you build a strong credit history.

• No Cost Bill Payer

  Pay your bills without any fees using our No Cost Bill Payer service. Simplify your bill payments with convenient and secure online services provided by Bay Area CU.

• Mortgage Processing

  Experience streamlined mortgage processing with Bay Area CU. Ourefficient and reliable services ensure a smooth and hassle-free mortgage experience.

• Approved Mortgage Seller

  Benefit from our status as an Approved Mortgage Seller. Bay Area CU offers comprehensive mortgage services to help you finance your dream home.

• Brokered Certificates of Deposits

  Invest in Brokered Certificates of Deposits for higher returns. Bay Area CU offers secure and profitable CD options through third-party brokerage services.

• Low-cost Wire Transfers

  Transfer money quickly and affordably with our Low-cost Wire Transfers. Bay Area CU provides secure and efficient wire transfer services to help you manage your finances effectively.