Bay Area Credit Union, formerly known as Sohio Toledo Refinery Credit Union, was chartered by the state of Ohio on November 24, 1934. A group of 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, offers the latest in technology, products and services. We pride ourselves in offering “big-bank” products without the “big-bank” attitude. We continually demonstrate our dedication to serving our members and our community.
In 2025, Bay Area Credit Union and Maumee Valley Credit Union brought their shared community‑first values together in a seamless merger. Maumee Valley’s legacy—rooted in its beginnings as a small railroad‑employee credit union—blended naturally with Bay Area’s mission of service and growth.
When the acquisition became official in October 2025, members gained expanded digital tools, more branch access, and a stronger cooperative built on decades of trust. Today, Maumee Valley’s story continues within Bay Area Credit Union as part of a unified commitment to helping Northwest Ohio thrive.
We are HERE for YOU!
We believe in the power of community! 💪 That’s why we love organizing events that bring us closer together.
We are proud to announce our employee outreach committee’s donation to a local charity this quarter! East Toledo Family Center.
Located across from Pearson Park.
Vice President Farrah McGowan’s graduation from CUNA Management School. 2021
All the rage!
EMBCC Parking Lot Party 2022
“Anchor’s away…well at least some fresh paint!
New digital signage 2021
The annual Battle at the Border winner!!!
Beyond Bay Area, our employee outreach committee donating to Backpacks for Humans.
Love our Clay HS Eagles
A Winner, Winner Chicken Dinner on her new Blackstone!
August 2023 – Member of the Month – Brenda N.
July 2023 – Member of the Month – Dan C.
June 2023 – Member of the Month – Ed K.
Boomer Froggy hanging out with two long-time friends.
Finances 101, the REAL game of life for local high school students. Played at BGSU!
Boomer Fun Day – 2021
Boomer loves the “Fur-Kids” too!!!
Boomer FUN DAY!!! 2021
Boomer Froggy loves Christmas! 2023
Raising money and collecting shoes for a local outreach organization.
Mascot Boomer Froggy stopping for a photo-opt with friends of the credit union.
90th Anniversary – Photos of employees & members through the years!
Celebrating 90th Anniversary
November 2024
Wear your PJ’s to work day – help raise money for an employee outreach initiative!
Genoa Homecoming Parade!!! – First place float
Boomer & Trunk or Treat
Ice Cream Adventures with Boomer
Toledo-THX-DAY-winner-2026
X-Golf outing with Northwest Ohio Alliance of Credit Unions, to raise money for financial education.
WinterFest Weekend – February 2026 – Perrysburg.
Student of the Month – Bay Area CU sponsors students from PENTA.
Student of the Month – Bay Area CU sponsors students from PENTA.
Boomer having fun at Oregon THX DAY 2026
Oregon THX DAY 2026