UBCCU's Member Rewards Program

This program starts November 1, 2011

We know that you have many choices when it comes to choosing a financial institution, so we want to thank you for choosing us!

United Bay Community Credit Union would like to reward our members who are loyal and use the variety of products and services that we offer. To show our appreciation we have developed our Member Rewards Program. UBCCU has given each product and service a point value. The more products and services that you use, the more points you will receive. Each member's total points will be determined on a monthly basis. The total of all your points will place you in one of the following categories; Copper, Silver, Gold or Platinum. Your level determines what rewards you will receive for that given month. To determine how you can move to a higher level, please review the products and services that you are currently using and see if there are additional products or services that could help you move to a higher rewards level.

Services such as e-statements and Direct Deposit are two services that we give you points for that actually make your life easier for you. It saves you from not worrying about when your paycheck will be credited to your account, or have the ease of balancing your statement within the first couple days of the month before you would have received it in the mail. Our new Rewards Program is effective November 1, 2011. The table below shows the benefits received with the different relationship levels.

Starting with your October statement, your rewards level for the current month will be located directly below the message section.

If you have any questions, please contact a Credit Union Representative today at 989-892-4597.

MEMBER REWARDS - RELATIONSHIP LEVEL BENEFITS

Note 1 - Paper statement fee applies only to accounts open on or after November 1, 2011. This fee applies for accounts receiving a printed paper statement via the U.S. Mail.
Note 2 - Starter checks will be provided, free of charge, if requested when opening a new checking account.
Note 3 - Check cashing fee will be waived for accounts whose primary member is under 18 years of age.
Note 4 - Loan rate adjustments are not applicable to real estate loans (mortgages, home equities, home equity line of credit) or credit cards.
Note 5 - Christmas Club withdrawals are counted from October 1st through September 30th for each year, to correspond with the maturity payout of the account.
Note 6 - Share rate adjustments apply only to Certificate of Deposit (CD) dividend rates, and is determined at the time of opening or renewing of a CD. The applies to both traditional CDs and Individual Retirement Account (IRA) CDs.

All new and existing members will be automatically enrolled into the program

How is my relationship level calculated?

Relationship levels are calculated using a point system. At the end of each month, your points will be tallied and your relationship level will be set accordingly.

Click here view the point matrix.

Printable Brochure

Click Here for a Printable Brochure

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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