local: 989.892.4597      toll free: 800.968.7696      email: info@ubccu.org
United Bay Community Credit Unione-Banking
PersonalBusinessYouth

 

United Bay Community Credit Union Rates

All rates are effective as of 1/30/2012 at 12:01 a.m. EST and are subject to change.

The following links will direct you to rates for United Bay Community Credit Union Savings and Loan Products.

Savings, Share Account & Club Rates
Savings, Checking, Money Manager as well as 
Youth and Club Accounts.                                 

Credit Card Rates
Rates for our no annual fee credit card programs.

Share Certificate &
IRA Share Certificate Interest Rates
Share Certificate and IRAs.                               

Student Loan Rates
Rates for student Loans.

Vehicle Loan Rates
Rates for New, Used and Refinanced Cars,
Motorcycles, Trucks, Vans and Classic Car Loans.

Mortgage Rates
Rates for Fixed-Rate and Adjustable Rate Loans.

Sport Vehicle Loan Rates
Rates for New, Used and Refinanced Snowmobiles, 
Personal Watercraft and All Terrain Vehicle Loans. 

Home Equity Loan Rates
Rates for our Home Equity Loan Rates

Recreation Vehicle Loan Rates
Rates for New, Used and Refinanced Boats,
Motorcycles and RVs Loans. 

Mobile Home Loan Rates
Rates for New and Used Mobile Home Loans.

Miscellaneous Loan Rates
Rates for Signature Loans.

Savings / Share Account and Club Rates

Average daily balance is used to determine Savings/Share rates tiers.

Account Type
Annual
Percentage
Rate (APR)
Annual
Percentage
Yield (APY)

Regular Share
Minimum balance of $5.00 required. Interest is compounded and paid quarterly.

Balance of $0.00 to $500.99

0.05%

0.05%

Balance of $501.00 to $1,500.99

0.10%

0.10%

Balance of $1,501.00 and over

0.15%

0.15%

Escrow Account
The minimum balance required to earn the stated APY is $5.00. Interest is compounded and paid quarterly.

Balance of $0.00 to $500.99

0.05%

0.05%

Balance of $501.00 to $1,500.99

0.10%

0.10%

Balance of $1,501.00 and over

0.15%

0.15%

Insured Money Manager Accounts (IMMA)
The minimum balance required to earn the stated APY is $5.00. Interest is compounded and paid monthly.

Balance of $0.00 to $500.99

0.05%

0.05%

Balance of $501.00 to $1,500.99

0.10%

0.10%

Balance of $1,501.00 to $5,000.99

0.20%

0.20%

Balance of $5,001.00 to $15,000.99

0.25%

0.25%

Balance of $15,001.00 to $25,000.99

0.30%

0.30%

Balance of $25,001.00 to $50,000.99

0.35%

0.35%

Balance of $50,001.00 and over

0.40%

0.40%

Christmas Club
The minimum balance required to earn the stated APY is $5.00. Interest is compounded and paid annually.

Balance of $0.00 to $500.99

0.05%

0.05%

Balance of $501.00 to $1,500.99

0.10%

0.10%

Balance of $1,501.00 and over

0.15%

0.15%

Vacation Club
The minimum balance required to earn the stated APY is $5.00. Interest is compounded and paid quarterly.

Balance of $0.00 to $500.99

0.05%

0.05%

Balance of $501.00 to $1,500.99

0.10%

0.10%

Balance of $1,501.00 and over

0.15%

0.15%

Moola Moola & CUSucceed Club
Minimum balance of $5.00 required. Interest is compounded and paid quarterly.

Balance of $0.00 to $500.99

0.05%

0.05%

Balance of $501.00 to $1,500.99

0.10%

0.10%

Balance of $1,501.00 and over

0.15%

0.15%

IRA Savings Account
The minimum balance required to earn the stated APY is $5.00. Interest is compounded and paid quarterly.

Balance of $0.00 to $500.99

0.05%

0.05%

Balance of $501.00 to $1,500.99

0.10%

0.10%

Balance of $1,501.00 and over

0.15%

0.15%

Share Certificate Interest Rates & IRA Share Certificate Interest Rates

All Certificates have the following terms, unless noted otherwise: minimum deposit of $500.00 is required; a penalty will be imposed for early withdrawal; interest is compounded and paid monthly.  

Length of Certificate
Annual
Percentage
Rate (APR)
Annual
Percentage
Yield (APY)

3 Months

0.200%

0.20%

6 Months

0.399%

0.40%

Youth 6 Months
A minimum deposit of $25.00 is required.

0.747%

0.75%

12 Months

0.499%

0.50%

18 Months

0.598%

0.60%

24 Months

0.797%

0.80%

30 Months

0.896%

0.90%

36 Months

1.094%

1.10%

48 Months

1.292%

1.30%

60 Months

1.489%

1.50%

Jumbo
A minimum deposit of $100,000.00 is required.
Interest is compounded and paid at maturity.  

Call for rate information

Vehicle Loan Rates*

Model Years of Vehicle
Maximum Length
of Loan
Annual
Percentage
Rate (APR) as low as*

2012

Up to 72 months

3.25%

2011-2010

Up to 60 months

3.25%

2009-2008

Up to 54 months

3.25%

2007-2006

Up to 48 months

3.25%

2005-2004

Up to 36 months

3.25%

2003 & older

Up to 30 months

3.25%

Calculate a payment

Sport Vehicle Loan Rates*

Maximum Length of Loan
Annual Percentage Rate (APR) as low as*

Up To 72 months

3.25%

73 to 120

4.75%

Recreation Vehicle Loan Rates*

Maximum Length of Loan
Annual Percentage Rate (APR) as low as*

Up To 72 months

3.25%

73 to 120

4.75%

Miscellaneous Loan Rates*

Maximum Length of Loan
Annual Percentage Rate (APR) as low as*

Up To 42 months

9.50%

Credit Card Rates*

Type of Credit Card
Annual Percentage Rate (APR) as low as*

VISA© Platinum

8.96%

Student Loan Rates*

Type of Student Loan
Annual Percentage Rate (APR) as low as*

Parent-Student Loan
Financed up to 36 months.
$2,500.00 maximum per grade level.

9.50%

UBCCU has partnered with Nelnet to offer robust student loans.
Click here for current rates and more information.

Mortgage Rates

Please call the Credit Union for information regarding mortgage rates.

Home Equity Loan Rates*

All Home Equity Loans have the following terms, unless noted otherwise: interest rate floor 6% - ceiling 18%; maximum annual interest rate increase = 2%.

Type of Loan
Annual Percentage Rate (APR)*

Home Equity Line of Credit 
Variable rate - Up to 20 year amortization.

As low as New York Prime Minus 1% (-) @ 80% LTV

Home Equity Fixed 10 Year Balloon Loan 

As low as New York Prime @ 80% LTV

Mobile Home Loan Rates*

Maximum Length of Loan
Annual Percentage Rate (APR) as low as*

Up To 60 months for 2007-2011 models

3.25%

61 To 120 months for 2007-2011 models

4.75%

*Experian/Fair Issac Risk Model Credit Score determines which rate you qualify for.

Click here for a printer friendly version in Adobe Acrobat©.

Click on the graphic to download the latest version of Adobe Acrobat®

 

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.
 
      

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. www.ncua.gov

We Do Business In Accordance With the Federal Fair Housing Law
and the Equal Credit Opportunity Act.
     

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