local: 989.892.4597      toll free: 800.968.7696      email: info@ubccu.org
United Bay Community Credit Union
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We Know Mortgage Lending

United Bay Community Credit Union offers an extensive menu of mortgage loan products and programs.
Helen and Jill, our trusted Mortgage Officers, are ready to help you meet your needs.

  • Competitive Closing Costs
  • Friendly Personalized Service
  • Approval Done Locally
  • We Work With You Every Step Of The Process

  • Rural Development Loans
       You could qualify for no money down!
  • Conventional Mortgage
  • First Time Homebuyer Loans

Applying for a Mortgage

You can apply for a mortgage in two ways - online or in person. To help you prepare for your mortgage, please
review our Mortgage Application Checklist.

Apply Online

Apply In Person

You can apply online anytime.

Applications can be made in person
during business hours.

In the Bay City area, call 989-892-4597 ext 5113 to schedule your appointment.

In the Kalamazoo area, call
269-668-6336 ext 6504 to schedule your appointment.



We finance many types of property. Your loan options are:

10 Year Fixed Rate
15 Year Fixed Rate
20 Year Fixed Rate
30 year Fixed Rate

7 Year Fixed Rate Balloon*
10 Year Fixed Rate Balloon*


*Balloon Mortgages - A balloon mortgage is a mortgage which does not fully amortize over the term of the note, thus leaving a balance due at maturity.
The final payment (balloon payment) will be the entire remaining balance of the loan.


Home Insurance Savings you've been looking for. Get a quote.

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