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® Platinum credit card with VISA® Rewards. This card is designed to provide convenience and reliability, everything a credit card should be!

Features of the UBCCU VISA® Platinum credit card:

Interest Rate As low as 8.96% APR*

$200 Minimum Line of credit

No Annual Fee

No Balance Transfer Fee

Visa Rewards – Earn points on everyday purchases and redeem them for merchandise, gift cards, cash back and more! To check your point balances and see all of your reward options, please visit www.manage-my-rewards.com.

$250,000 Travel Accident Insurance - Automatically activated when you pay for your travel with your UBCCU VISA® credit card

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 for your full VISA® disclosure.


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.

Click Here to print the UBCCU VISA® credit card application. This form can be mailed, or dropped off to any UBCCU branch location.

Pay online – GoToMyCard.com

You can make payments to your UBCCU VISA® credit card online as well as view your account summary and recent transactions through the GoToMyCard website or ubay@HOME Online Banking.

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

PO Box 672051
Dallas, TX 75267

VISA® Contact Information

VISA® Customer Service
To report a card lost/stolen

1-800-442-4757 - Available 24 hrs/day, 365 days/yr


1-800-968-7696 option 6 - 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.


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