local: 989.892.4597      toll free: 800.968.7696      email: info@ubccu.org
United Bay Community Credit Union
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In the market for a new car? United Bay Community Credit Union is here to help. Whether you’re looking for a pre-approval, or already have that dream car in mind, the loan officers at United Bay Community Credit Union will work with your credit to get you the best rate available.

Rates for New, Used and Refinanced Cars, Motorcycles, Trucks, Vans and Classic Car Loans.

Maximum Length
of Loan*
Rate (APR) as low as*

Up to 48 months



Up to 60 months



Up to 72 months


$10,000.00 or greater

Up to 84 months


$20,000.00 or greater

Up to 96 months


$30,000.00 or greater

Up to 108 months


$30,000.00 or greater

Up to 120 months


$30,000.00 or greater

Click Here to calculate your payment!


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.

Indirect Lending

Many area auto dealers participate in our Indirect Lending program, so you can finance through us without leaving the dealership. Click Here for a list of dealers in our area.

Optional Debt Protection is available.

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

You could save $519.52* on car insurance.  Get a quote.

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