local: 989.892.4597      toll free: 800.968.7696      email: info@ubccu.org
United Bay Community Credit Unione-Banking
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Rewards that
take you places

Recieve double points on all balance transfers!
No balance transfer fees!

Travel - Electronics - Dining - Cash Back
and much more!

Your new home awaits

Purchase a new home or refinance your existing home. Call now for an appointment or save time by applying online!

Use Your Tax Refund As A Down Payment!

Use your tax refund as a down payment and pay less over the life of your loan!

Auto Rates as low as 1.99% apr*

New and Used Auto Loan Rates as low as 1.99% or terms up to 120 months, UBCCU is here to help you get that car of your dreams!

Featured Rates
Loan Rates
VISA® Credit Cards As low as 8.96% APR
Auto Loans As low as 1.99% APR
To apply for a loan, Visa® Credit Card, or Mortgage Click Here
For a list of our current promotions, including special loan rates, Click Here
All rates are subject to change without prior notice. Other terms and conditions may apply. For full rate list, click here     

Insurance Solutions For Everything That Matters. Find Out More.
Member Cellular Discounts with Sprint    
UBCCU Routing:

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President′s Day
February 15

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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