Featured Savings Rates
Featured Accounts

United Bay Community Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.50%5-year CD60 Month CD
0.05%1-year CD12 Month CD
0.02%SavingsRegular Share Account

Overview / Commentary
989-892-4597
1309 N Lincoln St
Bay City, MI 48708

United Bay Community Credit Union is headquartered in Bay City and is the 56th largest credit union in the state of Michigan. It is also the 1,030th largest credit union in the nation. It was established in 1949 and as of June of 2016, it had grown to 40 employees and 18,354 members at 5 locations. United Bay Community Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Midland, Arenac, Saginaw, Bay, Kalamazoo and VanBuren Counties in Michigan.
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Health
B

Health Grade Components

Overall
NCUA #61186
Year Chartered1949
Employees40
Primary Regulator
Profit Margin
Return on Assets - YTD0.31%
Return on Equity - YTD4.22%
Annual Interest Income$3.0MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$189.0MM$186.8MM
LoansQ2 2016vs Q2 2015$105.8MM$96.8MM
DepositsQ2 2016vs Q2 2015$173.9MM$172.7MM
Equity CapitalQ2 2016vs Q2 2015$14.0MM$13.1MM
Loan Loss AllowanceQ2 2016vs Q2 2015$998.00K$957.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$1.6MM$1.4MM
Real Estate OwnedQ2 2016vs Q2 2015$248.00K$172.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

United Bay Community Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.02%--Regular Share Account
0.02%--Escrow Account
0.02%--Christmas Club Account
0.02%--Vacation Club Account
0.02%--Moola Moola Club Account
0.02%--CUSucceed Club Account
0.02%--IRA Savings Account

United Bay Community Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%*$50k*-Insured Money Manager Account (IMMA)
OTHER TIERS: 0.02% Up to $50k

United Bay Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$500-60 Month CD
0.50%$25-6 Month Youth CD
0.20%$500-48 Month CD
0.15%$500-36 Month CD
0.10%$500-18 Month CD
0.10%$500-24 Month CD
0.10%$500-30 Month CD
0.05%$500-12 Month CD
0.02%$500-3 Month CD
0.02%$500-6 Month CD

United Bay Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$500-60 Month IRA
0.50%$25-6 Month Youth IRA
0.20%$500-48 Month IRA
0.15%$500-36 Month IRA
0.10%$500-18 Month IRA
0.10%$500-24 Month IRA
0.10%$500-30 Month IRA
0.05%$500-12 Month IRA
0.02%$500-3 Month IRA
0.02%$500-6 Month IRA
Locations


United Bay Community Credit Union Locations
Branch Office205 S Mable StPinconning, MI 48650
Branch Office1309 N Lincoln StBay City, MI 48708-6172
Branch Office3939 N Euclid AveBay City, MI 48706-2028
Branch Office52800 N Main StMattawan, MI 49071
Branch Office233 W Centre AvePortage, MI 49024-5353