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Bay Area

4202 Navarre Ave, Oregon, OH 43616
NCUA Insured4.6 (161 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1934

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

4202 Navarre Ave

Oregon, OH 43616

Service Area

This credit union is located in Oregon and serves members in the OH area. Currently serving 7,488 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.25%

Used Auto Loan

5.25%

Personal Loan

12.95%

Credit Card APR

12.95%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in OH

Lowest rates currently reported by credit unions in OH (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(3 total)

Member Reviews

4.6

161 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
judi imhoff

judi imhoff

3 months ago

I was having extreme difficulty performing a transaction for some very expensive medical treatment. I accidently paid the TOTAL amount for this treatment. I was attempting to pay a deposit. I frantically called BACU to find out what could be done. I knew this amount was more than I had in my account. I was very fortunate to talk to Angela Henninger. She could immediately hear how distraught I was. She calmed me down and placed a "stop payment" on the mistaken payment I had made. Additionally she assisted me making the correct deposit amount. As I worked my way through this process I made many calls to her. Rather than be irritated with my chaos she was extremely helpful, patient, reassuring and professional. You should feel fortunate to have such an exemplary employee. It is my hope that you realize her as a model employee and outstanding person. I have been with BACU for many years. This just reminded why. A very grateful member. Judi Imhoff

Brian Gregg

Brian Gregg

5 months ago

Angela Henniger is awesome. She was able to solve all my app issues to allow access to both my business and personal accounts. She is the epitome of what an employee should be, striving to satisfy her customers. Thank you

Brandon Winterfeld

Brandon Winterfeld

7 months ago

Treated me like a person rather than a number. I went in about the middle of April to inquire about a car loan. I received information about a new type of loan when I was there. The new loan allowed me to get the vehicle that I wanted, and a payment I was comfortable with. I was also able to refinance a personal loan from a different place saving me about 15% on my interest rate. Shout out to Jamie at the branch, ALWAYS smiling and happy to see me, always informative, and communicating by phone, email, and text messages. Bay Area CU is a place where I believe I’ll be a life-long customer. Absolutely no complaints, and I’m sure I never will.

Trever Miller

Trever Miller

9 months ago

I’ve been a member of Bay Area Credit Union for several years now, and I can honestly say that their customer service is second to none! The tellers are always friendly, efficient, and genuinely go out of their way to make banking as easy as possible. Every time I walk in, it’s like I’m treated like family. The loan staff is incredible as well, whether you're looking for a personal loan, mortgage, or auto loan, they’re not just knowledgeable, but incredibly kind and patient in explaining all the options to help you make the best financial decision which fits not only your needs but also maintains your financial goals. They truly listen to your needs and work with you every step of the way, offering personalized advice and flexible, affordable solutions. What really stands out to me is their overall desire to help in any way possible. Whenever I have a question or need assistance, they’re quick to offer support in any way they can, always making sure I feel taken care of. im greeted with smiles and always welcomed through the doors on a first name basis, I’ve never felt like just another account number here. I Highly recommend Bay Area Credit Union to anyone looking for a truly caring, community-focused financial institution! PLUS, where else will you find someone as cool as BOOMER THE FROG!

Isaias&Chantel Ortega

Isaias&Chantel Ortega

4 months ago

I love the new Bay Area Credit union app and easy use features. Came over from Maumee Valley Credit Union and I am happy to see the updated ease of online capabilities.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).