local: 989.892.4597      toll free: 800.968.7696      email: info@ubccu.org
United Bay Community Credit Union
PersonalBusinessYouthWorking Together With Your Goals In Mind
   loan apps
Facebook Twitter Google Plus


No matter what you're dreaming of, United Bay Community Credit Union has the right loan product to help you achieve your life goals. Our loan officers will work with your credit to get you the lowest possible rate. Choose a product below to see why United Bay Community Credit Union is the best option for all of your lending needs.

Automobile Loans

New, used and refinanced cars, motorcycles, trucks, vans and classic cars.

Home Equity Loans

Borrow off the equity in your home.

Indirect Lenders

View the list of auto dealers that participate in our Indirect Lending program. Finance your new vehicle through UBCCU without leaving the dealership.


Our in house Mortgage Specialists will find the best product to help you find your dream home.

Recreational Vehicle Loans

Hit the open road with great rates on new, used and refinanced RVs.

Unsecured Loans

UBCCU offers an Open Line of Credit, as well as Closed End loans that require no collateral.

VISA® Credit Card

A low rate, credit card with Ubay Purchase Perks designed for convenience and reliability.

Click Here to see all of our current loan rates


Current members can Click Here to log into ubay@HOME Online Banking and fill out our online loan application.

If you are not already a member of United Bay Community Credit Union, please 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 apply for a mortgage through our online mortgage application system.


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