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Bay Credit Union, started as International Paper Employees Federal Credit Union in 1952, provides financial services to more than 9,700 members. Located in Panama City, Fla., the company offers home mortgages, consumer loans, VISA credit cards, checking accounts, VISA debit cards, loan protection products and financial centers. Its services include overdraft privileges, direct deposit, payroll deduction and any hour lending. Bay Credit Union is a member of the National Credit Union Administration (NCUA) and is an Equal Housing Lender.