local: 989.892.4597      toll free: 800.968.7696      email: info@ubccu.org
United Bay Community Credit Unione-Banking
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*Rates subject to credit and term approval and may change

Check out our competitive rates.

You can apply anytime using UBAY@Home Internet Banking

Low Rate, Easy to Use, and Earn Points.

Your Credit Union, Everywhere You Go!

Manage your money on the fly, easily, with UBAY2GO Mobile Banking.

Your new home awaits

Purchase a new home or refinance your existing home. Call now for an appointment or save time by applying online!

Featured Rates
Loan Rates
Auto Loans As low as 1.99% APR

VISA® Credit Cards

As low as 8.96% APR

All rates are subject to change without prior notice. Other terms and conditions may apply. For full rate list, click here     



Good Friday
April 18th and April 19th

Full Holiday Schedule
Member Cellular Discounts with Sprint


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.