Our History

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.

  • Bay Area Branch Office
    We are HERE for YOU!
  • Chatting in the sunshine
    We believe in the power of community! 💪 That’s why we love organizing events that bring us closer together.
  • Table full of donated collections at East Toledo branch
    We are proud to announce our employee outreach committee’s donation to a local charity this quarter! East Toledo Family Center.
  • Beautiful sunny day by a pond
    Located across from Pearson Park.
  • Farrah McGowan in commencement gown and cap in front of CUNA banner
    Vice President Farrah McGowan’s graduation from CUNA Management School. 2021
  • Jar full of suckers
    All the rage!
  • Enjoying each other's company at our 2022 parking lot party
    EMBCC Parking Lot Party 2022
  • Posing with the anchor
    “Anchor’s away…well at least some fresh paint!
  • Crane hoisting our Toledo sign into place
    New digital signage 2021
  • Our 2022 boarder battle winner posing by a lobby Christmas tree
    The annual Battle at the Border winner!!!
  • Posing with a van full of supplies
    Beyond Bay Area, our employee outreach committee donating to Backpacks for Humans.
  • Colorguard
    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 Froggy, our mascot taking a photo with a mom and children at a kids event.
    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 committee.
  • Mascot Boomer Froggy stopping for a photo-opt with friends of the credit union.
  • Our mascot, Boomer-Froggy posing with a "90's" display made from various photos through the years. Celebrating Bay Area Credit Union's 90th Anniversary.
    90th Anniversary – Photos of employees & members through the years!
  • A Member Service Representative celebrating the credit union's 90th Anniversary.
    90th Anniversary – Decorate your
    own sailor hat!!!
  • Huge ouside display celebrating Bay Area Credit Union's 90th Anniversary.
    Celebrating 90th Anniversary
    November 2024
  • Employee Egg Decorating contest 2025 – Winning Egg!
  • A dress down day at work. Wear your pj's to work day to raise money for community outreach project.
    Wear your PJ’s to work day – help raise money for an employee outreach initiative!