A credit union operating in Thunder Bay, Ontario.

Initially founded 1946 as the People’s Co-operative Credit Union Limited to serve the Finnish-speaking population of Port Arthur. Name changed to Bay Credit Union in 1975.

Abitibi Provincial Paper Mill Employees’ Credit Union Limited was founded in 1951. This became Apple Community Credit Union in 1998, while also opening services to the broader community. Apple Community Credit Union merged with Bay Credit Union in 2014.

The credit union is owned by members and governed by a board.