local: 989.892.4597      toll free: 800.968.7696      email: info@ubccu.org
United Bay Community Credit Union
   loan apps
Facebook Twitter Google Plus



Warm up Your Winter: Skip-a-Payment


Effective: November 1, 2016



End: December 31, 2016


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.

CLICK HERE to apply for Skip-a-Payment.


  • You must have $5.00 in your share account.
  • You must have made at least one payment on the loan, and be current on all loan payments.
  • You must authorize a payment of $25.00 per loan payment skipped. If funds are not available, this offer is void.
  • The payment you skip will be added to the end of your loan term and normal interest charges will continue to accrue.
  • You may choose to skip your November or December payment, but not both.
  • All signers on the loan must sign the Skip-a-Payment form.
  • Skip-a-Payment cannot be applied to VISA® payments, real estate loans (Mortgage Loans and Home Equity Loans), holiday loans or student loans.

Skipping your November or December payment will extend the loan(s) past maturity. Doing so will not affect your payment record since the skipped payment will be added to the end of the loan. Interest will continue to be calculated on the outstanding balance. A $25.00 Skip-a-Payment fee will be charged per loan skipped. Please note: Skipped payments, including approved skipped payments, are NOT covered by GAP. In the event of a GAP claim, any skipped payments will be deducted from the outstanding balance paid off by GAP. Skip-a-Payment cannot be applied to VISA® payments, real estate loans (Mortgage Loans and Home Equity Loans), holiday loans, or student loans.

Hand Pick Your Loan


Effective: October 3, 2016



End: December 29, 2016

Hand Pick Your Unsecured Loan Special

Rates start as low as 4.99% apr*

Use an Unsecured Loan from UBCCU for a number of purposes. From shopping to debt consolidation, travel to covering those unexpected expenses that come up around this time of year.


Current Members: You can apply for a loan through our E-Banking system. To log in, Click Here!

If you are not already a member of United Bay Community Credit Union, please Click Here to send us a message through our secure contact form. A UBCCU Loan Officer will reply to your inquiry as soon as possible. We also invite you to visit any UBCCU branch or give us a call directly during our regular business hours. Click Here for a list of our locations and phone numbers.

*APR = Annual Percentage Rate. Experian/Fair Isaac model Credit Score will determine which rate you qualify for. Over 50% of loan amount must be new money. Rates, terms, conditions subject to change without notice. Certain restrictions apply. Offer valid October 3, 2016 through December 29, 2016.

Love My Credit Union Rewards






Invest in America

The Savings Keep Growing for United Bay Community Credit Union Members with Invest in America

United Bay Community Credit Union is proud to participate in Invest in America, a unique program offering our members discounts on products and services from U.S. based companies. It not only gives our mebers valuble discounts, but it also increases sales for the participating companies and, on a larger scale, helps stimulate the U.S. economy. Basically, Invest in America is a win-win for everyone.

Simply visit www.LoveMyCreditUnion.org to learn how, as a member of United Bay Community Credit Union, you can recieve money-saving discounts from: General Motors, Sprint, Allied Van Lines, FTD, CU Benefits Express, CompleteTax, DIRECTV and through ShopAmerica, a new online mall specifically for credit union members.

United Bay Community Credit Union is here to help our members save with respected U.S. companies at a time when everyone needs it most. To learn more about Invest in America and details on all the current discounts visit LoveMyCreditUnion.org.

Prescription Drug Card






UBCCU is proud to offer you and your family/friends a FREE DISCOUNT DRUG CARD. For additional information, click here.
UBCCU prescription Card

  • About Us
  • Hours & Locations
  • Phone & Fax Numbers
  • Current Promotions
  • Credit Union History
  • Board of Directors
  • Career Opportunities
  • Community Involvement
  • Newsletters
  • Holiday Schedule
  • Fee Schedule
  • Privacy Policy

    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