142 South Algoma Street
Thunder Bay, ON P7B 3B8

Phone: (807) 345-7612
Email: info@baycreditunion.com


Privacy Policy

Bay Credit Union Limited may collect personal information from me, from product and service arrangements I have made with or through you, from credit bureaus and other financial institutions, and from the references I have provided you.

Bay Credit Union may collect, use and disclose my personal information for the following purposes to:

  1. provide me with financial services;
  2. understand my financial account needs;
  3. develop, manage and deliver products and services to me;
  4. determine my eligibility for different products and services;
  5. ensure that I receive a high standard of service;
  6. meet regulatory requirements;
  7. manage and transfer the assets and liabilities of Bay Credit Union; and
  8. verify my identity.

Bay Credit Union may provide my personal information to credit bureaus and other financial institutions and, with my consent, to other parties. Bay Credit Union may share my personal information with its employees and business partners, but only as needed for the provision of products and services.

Bay Credit Union may also use my personal information to introduce products and services that may be of interest to me through contacting me directly (via mail, telephone calls or e-mail only) and share it (subject to applicable law) for marketing purposes within Bay Credit Union.

At any time, I can choose to opt-out of receiving direct marketing or sharing my personal information for marketing purposes. To opt-out, I will contact the Privacy Officer, Misty Miller, in the branch or by telephone. 683.2604

Internet Security

This area of our website is dedicated to the education of our members regarding security issues that may impact their lives. Swindlers utilize numerous methods to exploit others, but one thing is certain, “If it sounds too good to be true, it probably is!

If you receive a suspicious email or a pop-up window asking you to verify or submit confidential or personal information such as your account number, PIN or password, do not respond and do not click on any of the links provided.

Password Security

Strong passwords are important protections to help you have safer online transactions. An ideal password is long and has letters, punctuation, symbols, and numbers:

  1. whenever possible, use at least 14 characters or more;
  2. the greater the variety of characters in your password, the better; and
  3. use the entire keyboard, not just the letters and characters you use or see most often.

For more information on Password Security, see: Microsoft’s Online Safety web-site.

For another useful link, see 5 Tips to help keep your passwords secret.

Identity Theft Prevention

Identity theft is any kind of fraud that results in the loss of personal data, such as passwords, user names, account information, or credit card numbers. Online identity theft is sometimes also known as phishing.(see below)

Identity theft isn’t new. Thieves have always found ways to illegally acquire people’s personal information through confidence scams (also known as social engineering), stealing mail from mailboxes, or even looking through trash cans or dumpsters. Now that identity theft has moved online, criminals can scam a greater number of people, which makes it much more profitable.

For information on how to avoid online identity theft, see “Email and web scams: How to help protect yourself


Phishing is an attempt to criminally and fraudulently acquire sensitive information, such as usernames, passwords and credit card details from unsuspecting people by masquerading as a trustworthy entity. If you’ve been a victim of phishing, take action here: www.antiphishing.org.