The power of a Visa® Credit Card with the home town convenience of United Bay Community Credit Union.

A United Bay Community Credit Union Visa® Credit Card comes with a lot of power. The power to bypass the ATM. The power to cover unexpected expenses. The power to turn your spending into rewards.

Your UBCCU Visa® Credit Card offers:

1. Interest rate as low as 8.96% APR*
2. $200 minimum line of credit
3. No annual fee
4. No balance transfer fee
5. Ubay Purchase Perks – A simple, easy-to-use program that rewards you with points each time you use your UBCCU Visa® Credit Card. Groceries, gas, or a new furnace, your everyday purchases will really pay off. Hundreds of rewards are waiting! Redeem your points for reward that include merchandise, travel, gift cards*, event tickets, charitable donations and more. Check the Ubay Purchase Perks site for a full list of rewards.

We also offer a Secured Visa® Credit Card.

You need credit to build credit. UBCCU is here to help our members build a credit history by using your savings account as collateral.

If you have any questions, start with our Frequently Asked Questions. If you can’t find the answer, give us a call at (800) 968-7696.

*Gift card merchants are not sponsors or co-sponsors of the program.

Apply Today!

Stop by any of our locations to fill out an application, or start the application process by sending a secure message to one of our Loan Officers.

Card Management

Use your Ubay@Home account to manage your UBCCU Visa® Credit Card. Make a payment, pay off your balance and view your account summary and recent transactions through Ubay@Home.

You can also make payments at any UBCCU branch, or mail to:

UBCCU VISA Dept.
PO Box 160
Bay City, MI 48707

Lost or Stolen Card

Please see our contact information if you’ve lost your card or it has been stolen.