local: 989.892.4597      toll free: 800.968.7696      email: info@ubccu.org
United Bay Community Credit Unione-Banking
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Apply for your UBCCU Visa® today!

  • Rates as low as 8.96% APR*
  • No Annual Fee!
  • No Balanace Transfer Fees!
  • Rewards Points on Everyday Purchases!

Your new home awaits

Purchase a new home or refinance your existing home. Call now for an appointment or save time by applying online!

Download the UBAY2GO Mobile Banking App!

Download the FREE UBAY2GO Mobile Banking App for Android or ios Devices.

Auto Rates as low as 1.99% apr*

New and Used Auto Loan Rates as low as 1.99% or terms up to 120 months, UBCCU is here to help you get that car of your dreams!

Featured Rates
Loan Rates
VISA® Credit Cards As low as 8.96% APR - No Balance Transfer Fees!
Auto Loans As low as 1.99% APR
To apply for a loan, Visa® Credit Card, or Mortgage Click Here
For a list of our current promotions, including special loan rates, Click Here
All rates are subject to change without prior notice. Other terms and conditions may apply. For full rate list, click here     

Check Ordering Information

UBCCU Routing:

Labor Day

September 7

Full Holiday Schedule

Member Cellular Discounts with Sprint


Mission Statement
The mission of United Bay Community Credit Union is to be our members' primary financial
institution, providing them with quality, confidential, professional and personal service, while
maintaining a sound and stable credit union.