local: 989.892.4597      toll free: 800.968.7696      email: info@ubccu.org
United Bay Community Credit Union
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Home Equity Loan Program

What is a Home Equity Line of Credit?

  • UBCCU's home equity line of credit is a 10 year line of credit.
  • Minimum loan amount is $5,000.
  • Maximum loan amount is $150,000.
  • The payment can be amortized over a 10 or 20 year period.
  • Ability to continue to borrow on available balance

 UBCCU's best rates for Home Equity Line of Credit are:

  • 80% LTV = Prime rate minus 1%. *
  • 90% LTV = Prime.*

What is a Fixed Rate Home Equity?

UBCCU's Fixed Rate Home Equity is a loan in which the rate remains the same.

  • 10 year balloon.
  • Minimum loan amount is $10,000.
  • Maximum loan amount is $100,000.

UBCCU's best rates for Fixed Home Equity are:

  • 80% LTV = Prime.*
  • 90% LTV = Prime + 1%.*

Click here for our HELOC rates or to apply for HELOC loan, please click here.

*Interest rate ceiling 18% - Floor 6%
Maximum annual interest rate increase =2% 


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