United Bay Community | Auto Loans, ATMs & Mobile Banking

Introduction

Welcome to United Bay Community, a trusted financial institution established in 1949 and proudly headquartered in Bay City, MI. Our mission is deeply rooted in serving our community and empowering our members, including military personnel, through a comprehensive range of financial services. Under the leadership of CEO Diane Abbonizio and Board President Christine Houle, we prioritize a member-first approach that ensures your financial needs are at the heart of everything we do. As a federally insured credit union since August 14, 1972, by the NCUA, you can trust that your deposits are secure with us.

At United Bay Community, we embrace modern banking solutions to enhance your experience. Our online banking platform allows you to manage your finances anytime, anywhere, while our mobile application provides convenient access to essential features such as P2P transfers and e-statements. We also offer electronic signature authorization for streamlined transactions and are committed to delivering innovative services that fit your lifestyle. To learn more about our offerings or to join our community of over 18,000 members, visit us at https://www.ubccu.org/ or reach out via fax at 9898925701. We look forward to helping you achieve your financial goals with trust and accessibility at every step.

Financial Services

At United Bay Community, we pride ourselves on offering a comprehensive suite of financial services designed to meet the diverse needs of our members. From personal banking solutions such as checking and savings accounts to specialized offerings like auto loans, mortgage refinancing, and credit cards with rewards, our goal is to empower you in managing your finances effectively. We understand that life is full of milestones—whether you're purchasing your first home, financing a new vehicle, or consolidating debt—and our range of personal loans and vehicle financing options are tailored to help you achieve those goals.

In today's fast-paced world, having convenient access to your finances is essential. That’s why we provide robust digital services including online banking and a user-friendly mobile application, allowing you to manage your accounts anytime, anywhere. Our person-to-person transfer feature makes it easy to send money directly to friends and family without the hassle of traditional payment methods. For added convenience, we also offer e-statements and e-signature capabilities, ensuring that you can handle your banking needs efficiently from the comfort of your home.

Becoming a member of United Bay Community is straightforward; you can learn more about eligibility by visiting http://www.ubccu.org/services/become-a-member. With our commitment to transparency and support, we invite you to explore competitive loan options through our rate comparison tools at https://www.lendmesh.com/loans/mortgage_loans. Should you have any questions or need personalized assistance, feel free to reach out via fax at (989) 892-5701. We're here to help you navigate your financial journey with confidence and ease.

Financial Highlights

United Bay Community is more than just a financial institution; it’s a trusted partner dedicated to the well-being of its members. With a robust Total Membership of 18,352, we prioritize our community by providing personalized services and support that meet diverse financial needs. Our commitment to excellence is evident through our impressive Total Assets of 281,461,818, which reflects our stability and capacity to serve you effectively.

Financial health is paramount, and United Bay Community boasts a solid Net Worth of 20,717,387. This indicates not only our resilience but also our ability to reinvest in the services that matter most to you. Our Net Income stands at 103,453, showcasing our operational efficiency and dedication to sustainable growth, which ultimately benefits our members.

We take pride in maintaining substantial Total Deposits of 12,220,270, illustrating the trust placed in us by our members. This trust translates into a wide array of financial products, as evidenced by our Total Loans and Leases totaling 15,177. Whether you’re looking for an auto loan or need assistance with commercial financing, we have tailored solutions designed to help you succeed.

With a committed team of Total Employees numbering 79, we are here to ensure that your experience with us is seamless and satisfying. Our strong Net Worth Ratio of 740 further demonstrates our financial strength, enabling us to support your aspirations confidently.

We understand the significance of credit accessibility, which is why we offer competitive lending options, including a Credit Card Loan Volume of 3,099 and an impressive Auto Loan Volume reaching 9,836. Additionally, while we focus on individual and commercial growth, we proudly manage Commercial Loans totaling 4, empowering businesses within our community.

Transparency and integrity are at the core of everything we do, as reflected in our low level of Total Borrowings, which stands at 0. We strive to provide clarity in all transactions while ensuring your financial journey remains rewarding.

Our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov.

Compare real-time loan offers today at https://www.lendmesh.com/loans/mortgage_loans and find the best rates for your needs.

United Bay Community CU

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