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

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

UBCCU also offers a Secured VISA®. The Secured VISA® 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. View our current VISA® rates here

To apply for a VISA® Credit Card, please click here.

Credit Disclosures / Fees


Platinum Card with ScoreCard Points

Interest Rate

*Rates based on Experian/Fair Issacs
Model Credit Score.

As low as 8.96%

Minimum Line of Credit


Annual Fee


Travel Accident Insurance

*Pay for your travel with your card and
you're automatically covered.


Customer Service

*24 hours a day / 365 days a year



Full VISA® Disclosure

Card Account Management with GoToMyCard.com:

Visit the GoToMyCard web site to pay your VISA® bill, view account summary and recent transactions. You can also access this information through UBay@Home Internet Banking.


Visit www.manage-my-rewards.com to check your point balances and see all of the reward options.

Contact Information

VISA® Customer Service

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

Lost/Stolen VISA®

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


1-800-968-7696 option 6.

Payment remittance address:

PO Box 672051
Dallas, TX 75267

You can contact us at loans@ubccu.org or at 1-800-968-7696 option 6.


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.