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

Looking for a fast and reliable way to make those everyday purchases without carrying a bunch of cash?
United Bay Community Credit Union offers a VISA® credit card with Ubay Purchase Perks. This card is designed to provide convenience and reliability, everything a credit card should be!

Features of the UBCCU VISA® credit card:

Interest Rate As low as 8.96% APR*

$200 Minimum Line of credit

No Annual Fee

No Balance Transfer Fee

Ubay Purchase Perks – Your everyday purchases have never been more rewarding! Ubay Purchase Perks is a simple, easy to use program that rewards you with points each time you use your Visa® Credit Card. From groceries to utility bills to dining, your everyday purchases will really pay off. Hundreds of rewards are waiting! Redeem your points for rewards including merchandise, travel, gift cards, event tickets, charitable donations and more. Browse your rewards today at www.dreampoints.com/ubccu.

Click Here for Ubay Purchase Perks FAQ

Gift card merchants are not sponsors or co-sponsors of the program.

Secured VISA® Credit Card - Gives members with limited credit history an opportunity to carry a credit card and build their credit by using their savings/share account as collateral.


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.

Pay online

You can make payments to your UBCCU VISA® credit card online as well as view your account summary and recent transactions through ubay@HOME Home Banking. Click Here to log in.

You can also make payments at any UBCCU branch, or by mail to:

PO Box 160
Bay City, MI 48707

VISA® Contact Information

VISA® Customer Service
To report a card lost/stolen

During Business Hours:
1-800-968-7696 option 2

Outside of Business Hours:
Within the U.S., call (888) 241-2510
Outside the U.S., call (909) 941-1398


1-800-968-7696 option 2 - Available during regular business hours


*APR = Annual Percentage Rate. Experian/Fair Isaac Model Credit Score will determine which rate you qualify for. Rates, terms, conditions subject to change without notice. Certain restrictions apply.


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