local: 989.892.4597      toll free: 800.968.7696      email: info@ubccu.org
United Bay Community Credit Union
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Answer The Call For Summer Fun!

Boats, RVs, ATVs, Motorcycles, Autos, Home Improvements & Vacaction Loans.

Plan Today, Enjoy Tomorrow with UBFS

Investment, Retirement, Insurance.

Your New Home Awaits

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

EMV Debit Card Important Information

New Debit Card Thank you for your patience as our EMV Chip Debit cards are being issued. We are excited to have this added benefit available for our members. Here are some answers to common questions we have been receiving .

I do not have a PIN number for my new card and I destroyed my old card. Your new PIN should arrive 2 to 3 business days after you received your card. If you have destroyed your old card and your PIN has not arrived, you can still use your new card as a “credit” transaction at merchants.

I am being told I have the wrong information when I’m trying to activate my card. When you call to activate, you will be asked for the Primary Cardholders last four digits of the social security number and date of birth. Enter the information for the person whose name is printed on the card.

I received multiple cards. How do I know which one goes with what account? Please contact UBCCU at (989) 892-4597 and we will determine which card goes with which of your accounts.

For more information on your new Debit Card, click here.

Answer The Call For Summer Fun! Payments You can Afford
Featured Rates
Loan Rates
Auto & Motorcycle Loans As low as 2.25% APR
Boat & RV Loans As low as 2.75% APR
ATV & Personal Watercraft Loans As low as 3.49% APR
VISA® Credit Cards As low as 8.96% APR
To apply for a loan, Visa® Credit Card, or Mortgage Click Here
For a list of our current promotions, including special loan rates, Click Here
All rates are subject to change without prior notice. Other terms and conditions may apply. For full rate list, click here     

Insurance Solutions For Everything That Matters. Find Out More.
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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.

member NCUA       Equal Housing Opportunity