local: 989.892.4597      toll free: 800.968.7696      email: info@ubccu.org
United Bay Community Credit Union
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Credit Union History

The credit union began around the idea of people helping people. Today it is a concept that is still in effect.

The Chevrolet Employees Federal Credit Union began in 1949 as employees of Bay City Chevrolet were returning to work after a 110-day strike. Unable to meet their financial obligations, many employees were on the brink of losing their jobs due to their wages being garnished by creditors. People were in need of help and concerned co-workers knew something had to be done. Workers agreed to chip in $5 to lend to those co-workers in need. The $5 contribution still represents one share in the credit union today.

The credit union name was later changed to United Bay City Credit Union. Membership expanded to include employees of "partner" companies. UBCCU membership was available to employees of over 200 Bay County companies.

In 2003, membership eligibility in the credit union expanded to include anyone who lives, works, worships or attends school in Bay, Saginaw, Midland, or Arenac County. As the credit union made the switch from "city to community", the name was changed to United Bay Community Credit Union.

In 2008 we opened a new branch office in Pinconning, Michigan, to help the members whom live in the northern areas we service.

We have expanded again. On May 1, 2012, Access First Federal Credit Union merged in to UBCCU. With this addition, our field of membership expanded to service VanBuren and Kalamazoo counties in addition to our existing field of membership.

Today, UBCCU is proud to offer a full range of quality financial products. We have products and services for your deposit needs such as savings, checking, certificate of deposits, money manager accounts, IRA, holiday and youth accounts. We also have a wide variety of loan products to finance your purchases.

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    To connect with our members by inspiring trust and providing
    the financial support they need to establish roots and thrive.

    Providing our members the resources
    to develop strong financial roots.

    member NCUA       Equal Housing Opportunity