United Bay Community Credit Union

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

United Bay Community Credit Union is headquartered in Bay City and is the 60th largest credit union in the state of Michigan. It is also the 1,057th largest credit union in the nation. It was established in 1949 and as of March of 2024, it had grown to 72 employees and 18,181 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.
See current membership details


No reviews have been left for this bank yet. Be the first to review.


Health Grade Components

NCUA #61186
Year Chartered1949
Primary Regulator
Profit Margin
Return on Assets - YTD0.04%
Return on Equity - YTD0.57%
Annual Interest Income$3MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$281.2MM$279.4MM
LoansQ1 2024vs Q1 2023$225.3MM$231.5MM
DepositsQ1 2024vs Q1 2023$260.1MM$257.3MM
Equity CapitalQ1 2024vs Q1 2023$19.8MM$20MM
Loan Loss AllowanceQ1 2024vs Q1 2023$715K$381K
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$706K$554K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
Skip to rates for:
Report an Issue

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

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

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

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

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

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

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.