Put your house to work for you!
Home Equity 10-Year Term
Proudly serving our members since 1949.
- As Low as 6.75% APR*
Learn more about Home Equity Loans.
*APR- Annual Percentage Rate. Minimum interest rate offered is 6.75% APR for 10 year/120 month term. Loan amounts may vary. Offer available for a limited time. Not eligible on refinances of existing home equity loans held by United Bay Community Credit Union. Payment per $1,000 at 6.75% is $11.49 for a 120 month term. Max CLTV (Combined Loan to Value) is 90%. Closing costs include a title fee based on loan amount, up to $500 appraisal fee, and $30 mortgage recording fee. Property must be owner occupied and located in Michigan. Conditions apply and APR may vary based on creditworthiness. Credit Union membership is required. Ubay follows the Federal Fair Housing Law and Equal Credit Opportunity Act.
Our anniversary, your celebration
Personal Loan
Proudly serving our members since 1949.
- As Low as 7.75% APR**
- No Payment Up to 75 days
Learn more about Personal Loans.
**APR = Annual Percentage Rate. Experian/Fair Isaac Model Credit Score and loan term will determine which rate you qualify for. No payments for up to 75 days. Over 50% of loan amount must be new money. Certain restrictions apply. Offer starts January 2, 2024. Limited time offer. Rates based on credit score. Rate and terms are subject to change at anytime. Membership is required and based on eligibility.
Turn miles into memories
Auto Loan
Proudly serving our members since 1949.
- As Low as 6.75% APR***
- No Payment Up to 75 days
Learn more about Auto Loans.
***APR = Annual Percentage Rate. Experian/Fair Isaac Model Credit Score and loan term will determine which rate you qualify for. No payments for up to 75 days. Certain restrictions apply. Offer starts January 2, 2024. Limited time offer. Rates based on credit score. Rate and terms are subject to change at anytime. Membership is required and based on eligibility.