United Bay Community Credit Union Bay City MI | Best Auto Loans & Business Banking

Introduction

Welcome to United Bay Community at our Euclid Office, conveniently located at 3939 N Euclid Ave, Bay City, MI 48706. Since our establishment in 1949, we've proudly served our community with a commitment to reliable banking services and a focus on member satisfaction. With a strong membership base of over 18,000 individuals, we understand the unique needs of our members and strive to provide financial solutions that empower them. At United Bay Community, we manage total assets exceeding $281 million, demonstrating our stability and reliability in the financial landscape. Our members enjoy various services including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. In fact, we currently hold more than 15,000 loans and leases, reflecting our dedication to supporting your financial goals. Our branch is not just about numbers; it's about community. We are here to help you navigate your financial journey with personalized service. Under the leadership of CEO Diane Abbonizio and Board President Christine Houle, our team of 79 employees is committed to ensuring that your experience with us is seamless and rewarding. While you can reach us at our physical location for all your banking needs, please note that official correspondence should be directed to our mailing address: 3939 N. Euclid Ave, Bay City, MI 48706-2028. Feel free to call us at (989) 892-4597 or visit our website at www.ubccu.org for more information about how we can assist you today! Whether you're looking to open an account or apply for a loan, we're here to help every step of the way. Come see what makes United Bay Community the trusted choice for so many in Bay City!

Branch History & Mission

Welcome to United Bay Community, a credit union with deep roots in Bay City, MI. Established in 1949, our branch has been a cornerstone of the community for over seven decades. Located at 3939 N Euclid Ave, we have witnessed the growth and transformation of our neighborhood while staying committed to serving our members' financial needs. From our humble beginnings, we have grown significantly over the years. Today, we proudly serve a vibrant membership of over 18,000 individuals, helping them achieve their financial goals with ease and confidence. Our total assets now stand at an impressive $281,461,818, reflecting our strength and stability in the financial landscape. At United Bay Community, our mission is clear: we strive to provide personalized banking solutions that enhance the quality of life for our members and support the local community. We offer a wide range of services including checking and savings accounts, auto loans, mortgage financing, personal loans, and business banking options. Our goal is not just to be a financial institution but to be a trusted partner in your financial journey. We believe in making banking accessible to everyone. That's why we've integrated modern technology into our services. Members can enjoy online banking and mobile app features that make managing finances easy from anywhere. Our commitment to ADA compliance ensures that all members can access our facilities and services without barriers. Community involvement is at the heart of what we do. We actively participate in various outreach programs aimed at improving lives in Bay City and beyond. Whether it's sponsoring local events or providing financial education workshops, we are dedicated to making a positive impact. While members can visit us at 3939 N Euclid Ave for all their banking needs, official correspondence should be sent to 3939 N. Euclid Ave, Bay City, MI 48706-2028. We invite you to reach out to us at (989) 892-4597 during our operating hours: Monday through Friday from 9:00 am to 5:00 pm. Join us at United Bay Community where you are more than just a member you are family! Experience the benefits of being part of a credit union that values community support and personalized service. Visit us today or explore more about becoming a member on our website at ubccu.org.

Branch Location & Accessibility

Get in Touch

If you have any questions or would like to learn more about our services, feel free to call us at 989-892-4597. Our friendly team is ready to assist you! Come visit us today at United Bay Community where your financial needs meet personalized service!

Nearby Landmarks and Accessibility

Situated near local landmarks, our branch is just a short drive from the scenic Saginaw Bay area, making it easy for you to pop in anytime. Parking is readily available, ensuring that your visit is hassle-free. We also prioritize accessibility; our branch features ADA-compliant entrances and ramps, so everyone can enjoy our services comfortably.

Operating Hours and Services Offered

We're here for you during the week! Our lobby hours are Monday through Friday from 9:00 am to 5:00 pm. If you're in need of quick transactions, our drive-thru service is open during the same hours, plus Saturday mornings from 9:00 am to 12:00 pm. On the third Wednesday of each month, we open at 10:00 am for your convenience. At United Bay Community, we offer a range of personal banking services including checking and savings accounts, auto loans, mortgage loans, and even credit cards with rewards. Plus, with our ATM available on-site and drive-thru banking options for quick deposits or withdrawals, managing your finances has never been easier!

Member Eligibility

At United Bay Community, we believe that everyone deserves a supportive financial community, and becoming a member is the first step to unlocking a world of benefits. If you live, work, worship, or attend school in Bay County, you're eligible to join us! This means that whether you're just starting out or looking for a new financial home, we welcome you with open arms. Our members enjoy access to personalized services tailored to your needs, competitive loan rates, and savings options that help you grow your money. Joining is simple! Just visit us at 3939 N Euclid Ave Bay City Mi 48706 or check out our detailed eligibility criteria at http://www.ubccu.org/services/become-a-member. Once you're ready to take the plunge, you can easily open an account online by following this link: http://www.ubccu.org/services/apply-online. If you have any questions along the way, don't hesitate to give us a call at (989) 892-4597. We can't wait to welcome you into the United Bay Community family!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $4 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $347,210, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer robust merchant services that can help streamline your payment processes. Imagine the ease of accepting payments from customers seamlessly, whether online or in-person. This means faster transactions and happier customers, allowing you to focus on what really matters growing your business. Located at 3939 N Euclid Ave Bay City Mi 48706 in Bay City, MI, we invite local businesses to explore how our services can make a difference. Call us at (989) 892-4597 or visit us today to learn more!

Comprehensive List Of Services

Business Banking

We also cater to business owners through our business banking services. From merchant services to business loans, we understand what it takes to run a successful venture. Let us be your partner in growth as you navigate the world of entrepreneurship.

Convenience Features

At United Bay Community, we know convenience matters. That's why we offer features like mobile banking, which allows you to handle transactions on-the-go. You can transfer money with ease using our person-to-person payment service, making it easy to share costs with friends or family. Need quick access? Our drive-thru service is available for basic transactions like deposits and withdrawals without leaving your car. Plus, visit us during lobby hours for personalized assistance from our friendly staff. With all these options available, managing your finances has never been easier! We invite you to experience the commitment of United Bay Community firsthand by visiting us at 3939 N Euclid Ave Bay City Mi 48706 or giving us a call at (989) 892-4597. Ready to take the next step? Explore more about becoming a member by visiting our membership page or open an account online today at this link. Your financial success starts here!

Credit Cards

Need a little extra purchasing power? Our credit cards with rewards are perfect for everyday purchases while allowing you to earn points or cash back. Whether it's a weekend getaway or daily groceries, enjoy the benefits that come with using our credit card.

Loans and Financing

When it comes to financing, we've got you covered. Our auto loans and vehicle financing options can help you get behind the wheel of your dream car without breaking the bank. If you're considering buying a home, check out our mortgage loans and refinancing services that can make homeownership more attainable. For those unexpected expenses or consolidating debt, our personal loans provide a flexible solution tailored just for you.

Personal Banking

For everyday banking needs, we offer checking and savings accounts that help you manage your finances effortlessly. Whether you're saving for a special occasion or simply want to keep your funds secure, our accounts come with features designed to make banking easy. Imagine checking your balance from the comfort of your home through our online banking platform or making deposits using our ATM services it's that simple!

Digital & Online Banking

Key Features of Our Digital Banking Services

By visiting https://www.ubccu.org/, you can explore our user-friendly online banking platform. Here, you can easily check your account balances, transfer funds, and pay bills without the hassle of waiting in line. Plus, with our electronic signature authorization feature, signing documents has never been simpler or more secure. For those who prefer going paperless, we offer e-statements that allow you to access your financial information quickly and securely. This means no more waiting for statements to arrive in the mail, giving you real-time updates on your finances. If you're always on the move, our mobile application makes it even easier to manage your money. Whether it's making person-to-person transfers or checking your balance while you're out shopping, our app keeps you connected to your accounts at all times.

Safe and Accessible Banking

Security is a major focus for us at United Bay Community. We implement robust measures to ensure that your data remains safe while you enjoy the convenience of digital banking. You can feel confident knowing that your transactions are protected. With features like person-to-person payments, sending money to friends or family is quick and straightforward no cash needed! Whether it's splitting a dinner bill or sending a gift, our services are designed to fit seamlessly into your life. In summary, at United Bay Community, we are committed to providing accessible and efficient banking solutions tailored for you. Take advantage of our digital banking services today by visiting https://www.ubccu.org/ and experience how easy managing your finances can be!

Financial Strength

At United Bay Community, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to providing a solid foundation for your financial needs, ensuring that you can trust us with your hard-earned money. With a net worth of $20,717,387, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 740 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $55,405,471 in share certificates and $66,482,059 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $7,899,871 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $4,918 in used auto loans and a total of $231,511,404 in loans and leases. Our operational efficiency is reflected in our net income of $103,453, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 73 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments): $1,038,388. Total Share Accounts: 57,397, showing a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, United Bay Community is your trusted partner. Visit us at 3939 N Euclid Ave Bay City Mi 48706 or call 989-892-4597 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $76,195,174 in used vehicle loans and $22,969,274 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have flexible options tailored just for you.

Credit Lines and Business Loans

For those looking for additional flexibility, our total credit lines amount to $41,824,905, providing access to funds when you need them most. Additionally, for business owners in need of capital for growth and expansion, our outstanding commercial loans total $347,210, ensuring you have the resources necessary to thrive.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $7,980,893, make buying or refinancing simple. We are here to guide you through the process and help you find the right loan product that fits your situation.

Refinancing Options

If you're considering refinancing existing loans or exploring eligibility options for any of our products, our team is ready to assist. We aim to make the process as straightforward as possible so that you can focus on what matters most. To learn more about these offerings or start your application today, feel free to reach out at 989-892-4597 or visit us at 3939 N Euclid Ave Bay City MI 48706. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Our goal is to provide you with the best financial solutions tailored to your needs. Explore how our diverse range of loan products can support your financial journey!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $4,633,996 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and rewards programs that can benefit your everyday purchases.

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