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


Youth Accounts

UBCCU recognizes that good financial habits start at an early age. We have two programs designed just for our young members.

There is no fee for either of the programs. To join, a child must be in the proper age group, be eligible for credit union membership and maintain a $5.00 balance in a regular share account.

Moola Moola

Our Moola Moola club is for children from birth through age 12. The goal of the Moola Moola Club is to teach that saving money can be fun and rewarding. Special incentives and events are offered throughout the year.

When a child reaches age 13, they are automatically transferred into the CU Succeed program.

Click here to view our Moola Moola rates.

CU Succeed

CU Succeed targets our members age 13 through 18. CU Succeed members have access to the Claim Your Youth web site designed especially for them.

There is no fee to be a member of the CU Succeed program. A child must be 13 or older, be eligible for credit union membership and maintain a $5.00 balance in their regular share account.

Click here to view our CU Succeed rates.

Click here for access to the Claim Your Youth web site.

"Watch Me Grow" Youth Share Certificate 

Build your savings by adding to your share certificate a little at a time.

Criteria to Open Account:
  • Youth's name is primary on account
  • Must maintain $5 in primary share account
  • Minimum deposit to open Share Certificate is $25
  • Share Certificate must be in youth's name as primary
  • Share Certificate in youth's Social Security number
  • Deposits can be added to the Share Certificate in amounts of $1 or more
  • 6 month Share Certificate
  • Rate is subject to change after 6 month term - will renew at current 6 month term
  • Penalty for early withdrawal
  • Dividends are deposited into the Share account each month

The Youth Share Certificate will renew like a normal Share Certificate, until the 1st maturity after the member turns 18 years of age. At that maturity if the balance (after the dividend) is greater than or equals $500, the Share Certificate will convert to a normal 6 month Share Certificate; - if the balance (after the dividend) is less than $500, the Share Certificate will not renew and the funds will be transferred to the Share 00 account.

United Bay Community Credit Union Youth Share Certificate earns a competitive yield and is insured up to $250,000 by the National Credit Union administration, (NCUA) a U.S. Government Agency.



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.