Share Certificates

We offer 6 months and 1 through 5 years Share Certificates (CD). Interest is calculated daily and paid monthly. These rates may change on a weekly basis, but are fixed for the term of the certificate. A penalty may be imposed for early withdrawal. Interest on certificates compounds and can be paid back to the certificate, posted to a regular savings account, or mailed directly to your home. Minimum deposits on all certificates in $500.

Click here to view our CD rates.

Youth Share Certificates

The "Watch Me Grow" Youth Share Certificate (CD) currently is offered only in a 6 month term. Interest is calculated daily and paid monthly back to the Share Certificate. These rates may change on a weekly basis, but are fixed for the term of the Share Certificate. A penalty may be imposed for early withdrawal. Interest on certificates compounds and will be posted back to the certificate on a monthly basis. Minimum deposit to open the Youth Share Certificate is $25. Deposits can be added to the Share Certificate in amounts of $1 or more continuously through the term of the certificate.

See additional criteria and terms on web site Youth page.

Click here to view our CD rates.

Mission Statement
The mission of United Bay Community Credit Union is to be our members' primary financial
institution, providing them with quality, confidential, professional and personal service, while
maintaining a sound and stable credit union.

United Bay Community Credit Union, 1309 North Lincoln Avenue, Bay City, MI 48708-6172
© 2007-2011 United Bay Community Credit Union. All Rights Reserved.
Telephone: (989)892-4597 | Toll-Free: (800)YOUR OWN | Phone Access Line (PAL): (866)487-7717