United Bay Community Credit Union


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

United Bay Community Credit Union is headquartered in Bay City and is the 60th largest credit union in the state of Michigan. It is also the 1,076th largest credit union in the nation. It was established in 1949 and as of June of 2019, it had grown to 47 employees and 18,578 members at 5 locations. United Bay Community Credit Union has a B+ 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.
See current membership details

Related Posts

United Bay Community CU (MI) Adds 37-Month CD Special, 3.40% APY - 4/16/2019

United Bank Community Credit Union (MI) has a limited-time 37-month CD Special, which earns 3.40% APY with a minimum deposit of $10k of new money.

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Health
B+

Health Grade Components

Overall
NCUA #61186
Year Chartered1949
Employees47
Primary Regulator
Profit Margin
Return on Assets - YTD0.79%
Return on Equity - YTD9.07%
Annual Interest Income$3.7MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$197.6MM$194.3MM
LoansQ2 2019vs Q2 2018$127.4MM$121.9MM
DepositsQ2 2019vs Q2 2018$178.7MM$178.0MM
Equity CapitalQ2 2019vs Q2 2018$17.1MM$14.5MM
Loan Loss AllowanceQ2 2019vs Q2 2018$1.0MM$1.2MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$1.8MM$2.2MM
Real Estate OwnedQ2 2019vs Q2 2018$12.00K$54.00K
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-Lucky 13 Savings Club
0.02%$5-Escrow Account
0.02%$5-Christmas Club Account
0.02%$5-Vacation Club Account
0.02%$5-Moola Moola 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
1.00%$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
1.00%$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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