local: 989.892.4597      toll free: 800.968.7696      email: info@ubccu.org
United Bay Community Credit Union
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PAL (Phone Access Line)

To take advantage of our quality financial services, you don't have to come to a physical UBCCU location. We can come to you. PAL, our phone access line, and Ubay@Home, our home banking service, are designed to let you handle your financial business when it's convenient for you!

Our free-24 hour phone access line, lets you check your account balances, transfer funds between accounts, and more, all right over the phone.

Access PAL by calling the credit union at (989) 892-4597 or 1-800-YOUR-OWN(968-7696) and choose option 1 or (866) 487-7717.

First time users will be prompted to setup your account for access. Click here to view the PAL menu guide in Adobe® PDF format. Adobe Acrobat® is needed to view the PAL menu guide. Click on the graphic to download the latest version of Adobe Acrobat®.


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.

member NCUA       Equal Housing Opportunity