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United Bay Community Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.50%5-year CD60 Month CD
2.50% - Ally Bank High Yield 5 Year CDAdvertisement
0.05%1-year CD12 Month CD
2.10% - Goldman Sachs Bank USA High-yield 12 Month CDAdvertisement
0.02%SavingsRegular Share Account
1.30% - Nationwide Bank Online Savings Account
View all United Bay Community Credit Union rates »

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

United Bay Community Credit Union is headquartered in Bay City and is the 59th largest credit union in the state of Michigan. It is also the 1,062nd largest credit union in the nation. It was established in 1949 and as of December of 2017, it had grown to 49 employees and 18,493 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

Data as of Q4 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #61186
Year Chartered1949
Employees49
Primary Regulator
Profit Margin
Return on Assets - YTD0.26%
Return on Equity - YTD3.4%
Annual Interest Income$6.4MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$192.1MM$188.8MM
LoansQ4 2017vs Q4 2016$115.8MM$110.5MM
DepositsQ4 2017vs Q4 2016$175.8MM$173.5MM
Equity CapitalQ4 2017vs Q4 2016$14.5MM$14.1MM
Loan Loss AllowanceQ4 2017vs Q4 2016$1.1MM$989.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$2.2MM$1.9MM
Real Estate OwnedQ4 2017vs Q4 2016$60.00K$201.00K
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

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