United Bay Community Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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 63^rd largest credit union in the state of Michigan. It is also the 1,043^rd largest credit union in the nation. It was established in 1949 and as of March of 2025, it had grown to 70 employees and 18,494 members at 6 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 anyone who lives, works, worships, or attends school in Michigan.
See current membership details

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	61186
Year Chartered	1949
Employees	70
Primary Regulator

Profit Margin
Return on Assets - YTD	0.03%
Return on Equity - YTD	0.4%
Annual Interest Income	$3.4MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$296.1MM$281.2MM
Loans	Q1 2025vs Q1 2024	$233.8MM$225.3MM
Deposits	Q1 2025vs Q1 2024	$273.4MM$260.1MM
Equity Capital	Q1 2025vs Q1 2024	$20.3MM$19.8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$898K$715K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.4MM$706K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Sorry, we do not have rate data for United Bay Community Credit Union.

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
Branch Office	375 E Railway St	Coleman, MI 48618

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