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Overview / Commentary
1309 N Lincoln St
Bay City, MI 48708

United Bay Community Credit Union is headquartered in Bay City and is the 59th largest credit union in the state of Michigan. It is also the 1,069th largest credit union in the nation. It was established in 1949 and as of September of 2017, it had grown to 49 employees and 18,446 members at 5 locations. United Bay Community Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Midland, Arenac, Saginaw, Bay, Kalamazoo and VanBuren Counties in Michigan.
See current membership details

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Health Grade Components

NCUA #61186
Year Chartered1949
Primary Regulator
Profit Margin
Return on Assets - YTD0.25%
Return on Equity - YTD3.29%
Annual Interest Income$4.8MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$189.5MM$187.9MM
LoansQ3 2017vs Q3 2016$112.9MM$108.8MM
DepositsQ3 2017vs Q3 2016$173.1MM$172.7MM
Equity CapitalQ3 2017vs Q3 2016$14.6MM$14.3MM
Loan Loss AllowanceQ3 2017vs Q3 2016$1.1MM$900.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$1.8MM$1.2MM
Real Estate OwnedQ3 2017vs Q3 2016$96.00K$220.00K
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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

0.02%--Regular Share Account
0.02%--Escrow Account
0.02%--Christmas Club Account
0.02%--Vacation Club Account
0.02%--Moola Moola Club Account
0.02%--CUSucceed Club Account
0.02%--IRA Savings Account

United Bay Community Credit Union Money Market Rates

0.05%*$50k*-Insured Money Manager Account (IMMA)
OTHER TIERS: 0.02% Up to $50k

United Bay Community Credit Union CD Rates

0.50%$500-60 Month CD
0.50%$25-6 Month Youth CD
0.20%$500-48 Month CD
0.15%$500-36 Month CD
0.10%$500-18 Month CD
0.10%$500-24 Month CD
0.10%$500-30 Month CD
0.05%$500-12 Month CD
0.02%$500-3 Month CD
0.02%$500-6 Month CD

United Bay Community Credit Union IRA Rates

0.50%$500-60 Month IRA
0.50%$25-6 Month Youth IRA
0.20%$500-48 Month IRA
0.15%$500-36 Month IRA
0.10%$500-18 Month IRA
0.10%$500-24 Month IRA
0.10%$500-30 Month IRA
0.05%$500-12 Month IRA
0.02%$500-3 Month IRA
0.02%$500-6 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