United Bay Community Credit Union

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CURRENT TOP RATE

17 Month CD Special - New Money

Overview / Commentary

800-968-7696

1309 N Lincoln Ave
Bay City, MI 48708-6172

United Bay Community Credit Union is headquartered in Bay City and is the 62^nd largest credit union in the state of Michigan. It is also the 1,075^th largest credit union in the nation. It was established in 1949 and as of June of 2022, it had grown to 67 employees and 17,885 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.
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Related Posts

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2019
2006

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

1/3 - 5% 10-Month CD at a Michigan CU

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Health

B+

Data as of Q2 2022

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Health Grade Components

Overall
NCUA #	61186
Year Chartered	1949
Employees	67
Primary Regulator

Profit Margin
Return on Assets - YTD	0.12%
Return on Equity - YTD	1.53%
Annual Interest Income	$4.1MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$264.1MM$246.0MM
Loans	Q2 2022vs Q2 2021	$213.2MM$172.9MM
Deposits	Q2 2022vs Q2 2021	$238.3MM$223.2MM
Equity Capital	Q2 2022vs Q2 2021	$20.3MM$20.2MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$420.00K$621.00K
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$796.00K$717.00K
Real Estate Owned	Q2 2022vs Q2 2021	$0$84.00K

Rates

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Money Market
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IRA

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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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.35%^*	$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 \| 0.25% → $25k - $50k

United Bay Community Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.05%	$10k	-	17 Month CD Special - New Money
2.48%	$10k	-	10 Month CD Special - New Money
2.23%	$500	-	7 Month CD Special - New Money
1.46%	$10k	-	10 Month 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.05%	$10k	-	17 Month IRA Special - New Money
2.48%	$10k	-	10 Month IRA Special - New Money
2.23%	$500	-	7 Month IRA Special - New Money
1.46%	$10k	-	10 Month IRA
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 Office	205 S Mable St	Pinconning, MI 48650
Branch Office	1309 N Lincoln St	Bay City, MI 48708-6172
Branch Office	3939 N Euclid Ave	Bay City, MI 48706-2028
Branch Office	52800 N Main St	Mattawan, MI 49071
Branch Office	233 W Centre Ave	Portage, MI 49024-5353

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