UBCCU will be closed on Saturday, August 30th, and Monday, September 1st, 2008, in observance of Labor Day.

For hours that we are closed, please remember that UBCCU has 24/7 ATM access along with Ubay@HOME Internet Banking.

Effective immediately, Overdraft/ODP/NSF notices will no longer be mailed.
We encourage you to use UBAY @ Home Internet Banking or Phone Access Line (PAL)
to help keep track of your account balances.
Please contact our call center at (989) 892-4597 for assistance
between 9:00 AM and 5:00 PM, Monday through Friday.

Share Insurance: Your Accounts Are Protected

 Due to recent events in the banking and mortgage industries, many members may be wondering if their funds are safe at United Bay Community Credit Union. The simple answer is...YES! UBCCU is proud to note that we have reserves and capital over twice the regulatory limit. This is important since deposit insurance only comes into effect after an institution's reserves are used. Our delinquencies and losses remain far below the industry norms. United Bay Community Credit Union is also pleased that we do not have any of the sub-prime loans that have caused the mortgage situation that is occurring across the country. And, because we are owned by our members, our financial statements are readily available to the public.

In addition, your shares at United Bay Community Credit Union are insured to at least $100,000 by the National Credit Union Share Insurance Fund (NCUSIF), an arm of NCUA. For further information about the Federal Insurance Fund, click here.


 
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    Effective immediately, PIN changes on ATM/Debit cards in our branches have been suspended until further notice.