United Bay Community Credit Union

Overview / Commentary
1309 N Lincoln Ave
Bay City, MI 48708-6172

United Bay Community Credit Union is headquartered in Bay City and is the 64th largest credit union in the state of Michigan. It is also the 1,089th largest credit union in the nation. It was established in 1949 and as of December of 2021, it had grown to 62 employees and 17,405 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 Grade Components

NCUA #61186
Year Chartered1949
Primary Regulator
Profit Margin
Return on Assets - YTD0.54%
Return on Equity - YTD6.51%
Annual Interest Income$7.7MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$253.8MM$222.8MM
LoansQ4 2021vs Q4 2020$187.1MM$165.9MM
DepositsQ4 2021vs Q4 2020$230.2MM$201.9MM
Equity CapitalQ4 2021vs Q4 2020$20.7MM$19.4MM
Loan Loss AllowanceQ4 2021vs Q4 2020$397.00K$866.00K
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$750.00K$1.3MM
Real Estate OwnedQ4 2021vs Q4 2020$82.00K$0
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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

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

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

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

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

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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