United Bay Community Credit Union

Credit Union History

The credit union began around the idea of people helping people. Today it is a concept that is still in effect.

The credit union began in 1949 as employees of Bay City Chevrolet were returning to work after a 110-day strike. Unable to meet their financial obligations, many employees were on the brink of losing their jobs due to their wages being garnished by creditors. People were in need of help and concerned co-workers knew something had to be done. Workers agreed to chip in $5 to lend to those co-workers in need. The $5 contribution still represents one share in the credit union today.

The credit union name was later changed to United Bay City Credit Union. Membership expanded to include employees of "partner" companies. UBCCU membership was available to employees of over 200 Bay County companies.

In 2003, membership eligibility in the credit union expanded to include anyone who lives, works, worships or attends school in Bay, Saginaw, Midland, or Arenac County. As the credit union made the switch from "city to community", the name was changed to United Bay Community Credit Union.

Today, UBCCU is proud to offer a full range of quality financial products. We have products and services for your deposit needs such as savings, checking, certificate of deposits, money manager accounts, IRA, holiday and youth accounts. We also have a wide variety of loan products to finance your purchases.

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.