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United Bay Community Credit Union


Overview / Commentary
www.ubccu.org
989-892-4597
1309 N Lincoln Ave
Bay City, MI 48708-6172

United Bay Community Credit Union is headquartered in Bay City and is the 62nd largest credit union in the state of Michigan. It is also the 1,086th largest credit union in the nation. It was established in 1949 and as of June of 2020, it had grown to 51 employees and 17,688 members at 5 locations. United Bay Community Credit Union has an A health rating.

Field of Membership Restrictions

Membership in United Bay Community Credit Union is open to those who live, work, worship, or attend school in the Michigan counties of Arenac, Bay, Kalamazoo, Midland, Saginaw, or Van Buren.
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Health
A

Data as of Q2 2020

Learn why bank health matters

Health Grade Components

Overall
NCUA #61186
Year Chartered1949
Employees51
Primary Regulator
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD5.71%
Annual Interest Income$3.7MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$218.2MM$197.6MM
LoansQ2 2020vs Q2 2019$141.5MM$127.4MM
DepositsQ2 2020vs Q2 2019$197.6MM$178.7MM
Equity CapitalQ2 2020vs Q2 2019$18.6MM$17.1MM
Loan Loss AllowanceQ2 2020vs Q2 2019$1.1MM$1.0MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$1.3MM$1.8MM
Real Estate OwnedQ2 2020vs Q2 2019$33.00K$12.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not United Bay Community Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.70%$5-Christmas Club Account
0.02%$5-Escrow Account
0.02%$5-Vacation Club Account
0.02%$5-Moola Moola Club Account
0.02%$5-CUSucceed Club Account
0.02%$5-IRA Savings Account

United Bay Community Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$50k*-Insured Money Manager Account (IMMA)
OTHER TIERS: 0.02% → Up to $501 | 0.04% → $501 - $1.5k | 0.06% → $1.5k - $5k | 0.08% → $5k - $15k | 0.10% → $15k - $25k | 0.12% → $25k - $50k

United Bay Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%$500-60 Month CD
1.00%$25-6 Month Youth CD
0.85%$500-48 Month CD
0.65%$500-36 Month CD
0.60%$500-30 Month CD
0.50%$500-24 Month CD
0.46%$500-18 Month CD
0.41%$500-12 Month CD
0.23%$500-6 Month CD
0.14%$500-3 Month CD

United Bay Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%$500-60 Month IRA
1.00%$25-6 Month Youth IRA
0.85%$500-48 Month IRA
0.65%$500-36 Month IRA
0.60%$500-30 Month IRA
0.50%$500-24 Month IRA
0.46%$500-18 Month IRA
0.41%$500-12 Month IRA
0.23%$500-6 Month IRA
0.14%$500-3 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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