UNITED BAY COMMUNITY CREDIT UNION - Bay City, MI

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!

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.

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!

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.