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United Bay Community Credit Union


Overview / Commentary
www.ubccu.org
800-968-7696
1309 N Lincoln Ave
Bay City, MI 48708

United Bay Community Credit Union is headquartered in Bay City and is the 61st largest credit union in the state of Michigan. It is also the 1,058th largest credit union in the nation. It was established in 1949 and as of June of 2024, it had grown to 73 employees and 18,253 members at 6 locations. United Bay Community Credit Union's CD rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in United Bay Community Credit Union is open to anyone who lives, works, worships, or attends school in Michigan.
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Health
B+

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #61186
Year Chartered1949
Employees73
Primary Regulator
Profit Margin
Return on Assets - YTD0.05%
Return on Equity - YTD0.66%
Annual Interest Income$6.2MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$282.6MM$279MM
LoansQ2 2024vs Q2 2023$229.7MM$229.7MM
DepositsQ2 2024vs Q2 2023$259.6MM$257.3MM
Equity CapitalQ2 2024vs Q2 2023$19.8MM$19.8MM
Loan Loss AllowanceQ2 2024vs Q2 2023$795K$384K
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$1MM$755K
Real Estate OwnedQ2 2024vs Q2 2023$26K$0
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-Christmas Club Account
0.02%$5-IRA Savings Account
0.02%$0-Special Savings Account
0.02%$0-Youth Savings

United Bay Community Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.21%*$250k*-Insured Money Manager Account (IMMA)
OTHER TIERS: 0.02% → $0 - $1k | 0.05% → $1k - $10k | 0.10% → $10k - $25k | 0.25% → $25k - $50k | 0.35% → $50k - $100k | 0.60% → $100k - $250k

United Bay Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.76%$500-19 Month CD Special
4.34%$500-49 Month CD Special
3.05%$50-12 Month Add On CD
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
4.76%$500-19 Month IRA Special
4.34%$500-49 Month IRA Special
1.01%$500-60 Month 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
Branch Office375 E Railway StColeman, MI 48618

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