local: 989.892.4597      toll free: 800.968.7696      email: info@ubccu.org
United Bay Community Credit Unione-Banking
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Loan Rate Reduction Promotion






Receive a 0.25% APR reduction off your loan interest rate, for any new loans, if you have direct deposit and your loan is set up for automatic transfer of the payments.  Loan rates are determined using the Experian/Fair Issac Risk Model Credit Score.

Home Equity, Home Equity Line of Credit, Mortgage, VISA, and Mobile Home Loans are excluded from this promotion.  Applicants must have or open a Primary Share Account and maintain a $5.00 minimum balance, and meet CU membership and loan eligibility requirements.


Prescription Drug Card






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

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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.