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

UBCCU has an ATM located at all five branch offices - those locations are below; you can also click here for more branch info.

Eastern Michigan region ATMs

Western Michigan region ATMs

1309 N. Lincoln Avenue
Bay City, Michigan 48708

52800 N. Main Street
Mattawan, Michigan 49071

3939 N. Euclid Avenue
Bay City, Michigan 48708

233 W. Centre Avenue
Portage, Michigan 49024

205 S. Mable Street
Pinconnning, Michigan 48650


GM Powertrain Plant
100 Fitzgerald Street
Bay City, Michigan 48708
(This ATM is not publicly accessible)


Find these locations on the map

In addition, UBCCU is part of the CO-OP Network. This means our members can choose from more than 17,000 surcharge-free ATMs throughout the United States and Canada. Our service fee for transactions at ATMs not owned by UBCCU will still apply. For a full list of surcharge free ATM's, please use the links below.

Other Surcharge FREE ATM Locations

UBCCU members enjoy nationwide ATM access with "surcharge free" ATM access at any CO-OP Network ATM.  Click here to find a CO-OP ATM near you.

Need to know where to get surcharge-free cash?  United Bay Community Credit Union members can visit any Fifth Third Bank/Jeanie ATM to get cash without a surcharge.  Click here to find the closest ATM.

Please Note: as of February 27, 2017, UBCCU will no longer be associated with the Fifth Third Bank/Jeanie ATM Networks.


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.

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