United Bay Community Credit Union

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Join us and be a part of Ubay!


Young couple shaking hands with a loan officer

We have lending solutions to meet all your needs.


A little guidance goes a long way.


Get Ready for Your New Ubay Visa® Debit Card

Your new Ubay Visa® Debit Card is on its way and should arrive by mid-July. Once you receive it, please activate your card and choose your PIN by calling 866-762-0558. This step is required before you can begin using your new card.

For your security, you'll be asked to verify information before activation. Be sure your contact information is up to date so we can confirm your identity if needed.

After you've activated your new Visa Debit Card, securely destroy your current Mastercard® Debit Card. Your Mastercard will no longer work once your new card is activated. 

Automatic payments that you have set up on your current debit card may transfer to your new Visa Debit Card. Best practice is to update card information on autopayments. 

If you have not received your new Visa Debit Card by August 3, please contact us at (989) 892-4597, option 4.

Your new Ubay Visa® Debit Card features a fresh new design and is now part of the Visa® network. You'll also enjoy Tap to Pay for fast, secure contactless purchases, access to thousands of surcharge-free ATMs through the CO-OP® Network, and enhanced fraud alerts by text (SMS: 48704) and/or email (CardMemberSecurity@co-op.org).  Tap to Pay is a quick, secure way to make purchases. Just hold your card near a contactless symbol at checkout. If tap to pay is not available, you may still swipe or insert your card. 

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We've got your business covered!

We offer a variety of products to cater to your business needs.

  • Transfer funds from your device
  • Make deposits
  • Pay bills
  • Payroll
  • Merchant Services

Tax Solutions and Savings for Members



Three kids playing with moving boxes

Ubay makes a house your home.


Have you found your dream home? Let our mortgage lending team help cover all your bases for a mortgage loan so you can get packing!

 Find your “new” 

Our Lincoln branch got a fresh new look, now it’s your turn for something new. Use a “new” loan for a vacation,  a Special Occasion, or Debt Consolidation.

Grow Your Savings !


We offer term savings certificates designed to help you reach your financial goals. Whether you’re planning for the future or building a safety net, our certificates provide a secure way to grow your savings.