local: 989.892.4597      toll free: 800.968.7696      email: info@ubccu.org
United Bay Community Credit Union
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Hand Pick Your Loan - Unsecured Loans

Use an Unsecured Loan from UBCCU for shopping, debt consolidation, travel, unexpected expenses, and more!

Warm Up Your Winter: Skip-a-Payment

If your account is in good standing,
you may be able to skip your November or December loan payment!

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!

Love My CU Campaign - View, Vote, Win
Low Rates/Flexible Terms on Campers, Boats, and RVs
Featured Rates
Loan Rates
Unsecured Loans As low as 4.99% APR
VISA® Credit Cards As low as 8.96% APR
Auto Loans As low as 2.25% 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.
Member Cellular Discounts with Sprint    
UBCCU Routing:

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Veterans Day
November 11

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Full Holiday Schedule
Report Lost or Stolen Card

Scam and Fraud Warnings


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