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:
- Interest rate as low as 8.96% APR*
- $200 minimum line of credit
- No annual fee
- No balance transfer fee
- 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.
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.
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.Go to main navigation