United Bay Community Credit Union Bay City MI | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to United Bay Community, your trusted partner in financial success! Located at 1309 N Lincoln St, Bay City, MI 48708, we have been proudly serving our members since 1949. With a commitment to fostering strong community ties and offering personalized financial solutions, we aim to help you achieve your dreams. At United Bay Community, we understand that every member's journey is unique. That's why we offer a wide array of services tailored to meet your needs from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. Currently, we serve over 18,000 members with total assets amounting to an impressive $281,461,818. Our financial strength is also reflected in our total deposits of $12,220,270 and a robust net worth of $20,717,387. Led by our dedicated CEO, Diane Abbonizio, and Board President Christine Houle, our team of 79 employees is here to provide you with exceptional service and support. We believe in transparency and trust, which is why we maintain a cash reserve of $2,523,364 for your peace of mind. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 1309 N Lincoln St, Bay City, MI 48708-6172. For any inquiries or assistance, feel free to reach out at (989) 892-4597 during our operating hours from 9:00 AM to 5:00 PM on weekdays. Join us today and discover how United Bay Community can help you reach your financial goals! Visit us online at www.ubccu.org or stop by our branch we can't wait to welcome you into our family!

Branch History & Mission

Welcome to the United Bay Community branch in Bay City, MI, where we pride ourselves on a rich history and a commitment to serving our members. Since opening our doors in 1949, we've grown from a small credit union into a vital part of the community, proudly supporting over 18,000 members with total assets exceeding $281 million. Our journey has been marked by milestones that reflect our dedication to providing accessible financial services while fostering strong community ties. Located at 1309 N Lincoln St, our branch is not just a place for banking; it's a hub for connection and support. Just a stone's throw away from local landmarks, we invite you to visit us during our operating hours: Monday through Friday from 9:00 AM to 5:00 PM and Saturdays starting at 10:00 AM on the third Wednesday of each month. For your convenience, we also offer drive-thru services and ATM access. At United Bay Community, our mission extends beyond traditional banking. We aim to empower individuals and families through personalized financial solutions. Whether you're looking for checking and savings accounts, auto loans, mortgage options, or credit cards with rewards, we strive to meet your needs while prioritizing community engagement. Our team is dedicated to helping you achieve your financial goals. Our commitment to innovation means that we continually enhance our services with features like online banking and mobile applications. We believe in making banking easy and accessible for everyone, including ensuring ADA compliance so that all our members can enjoy our facilities without barriers. While members can visit us at 1309 N Lincoln St Bay City Mi 48708, official correspondence should be sent to 1309 N Lincoln St, Bay City, MI 48708-6172. We encourage you to explore the various services we offer and take advantage of our customer-centric initiatives designed with your needs in mind. As an integral part of the Bay City community, we actively engage in outreach efforts that support local organizations and initiatives. Together with our partners, we work towards building a stronger community where everyone can thrive. Join us at United Bay Community and experience the difference that comes from being part of a member-focused organization committed to your success. Visit us today or call us at (989) 892-4597 to learn how we can assist you on your financial journey!

Branch Location & Accessibility

Connect with Us

If you have any questions or would like more information about our services, don't hesitate to reach out! Call us at (989) 892-4597 or drop by during our operating hours. We look forward to welcoming you into the United Bay Community family!

Getting Here and Accessibility

Finding us is simple! We have ample parking available right outside the entrance, ensuring your visit is hassle-free. Our building is designed with accessibility in mind, featuring ADA-compliant entrances and ramps for those who may need extra assistance.

Operating Hours

At United Bay Community, we value your time. Our lobby hours are from 9:00 am to 5:00 pm, Monday through Friday. For those who prefer drive-thru service, we offer the same hours on weekdays and open at 10:00 am on Saturdays. Our friendly staff is ready to assist you during these hours!

Services Offered

We understand that banking needs vary from person to person. That's why we provide a range of services including checking and savings accounts, auto loans, mortgage options, personal loans, credit cards with rewards, and business banking solutions. Whether you need to withdraw cash from our ATM or discuss financing options with one of our advisors, we're here to help. While members can visit us at 1309 N Lincoln St Bay City Mi 48708, official correspondence should be sent to our mailing address at 1309 N Lincoln St, Bay City, MI 48708-6172.

Member Eligibility

Becoming a member of United Bay Community feels like joining a close-knit family where your financial well-being is our top priority. If you're looking to take advantage of personalized banking services and community-driven support, you may qualify for membership! At United Bay Community, we welcome individuals who live, work, worship, or attend school in the Bay County area. To find out if you meet the criteria, simply visit our eligibility page at http://www.ubccu.org/services/become-a-member. Joining us is straightforward and rewarding. Once you confirm your eligibility, opening an account is just a click away through our online application process available at http://www.ubccu.org/services/apply-online. Plus, you can always give us a call at (989) 892-4597 if you have any questions or need assistance. We're excited to help you start your journey with us at United Bay Community, located conveniently at 1309 N Lincoln St Bay City Mi 48708!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer comprehensive merchant services that simplify payment processing. Whether you're a local shop or an online retailer, our services can enhance customer experiences and streamline transactions, allowing you to focus on what you do best running your business. Visit us at 1309 N Lincoln St Bay City Mi 48708 in Bay City, MI, or call us at (989) 892-4597 to learn how we can help your business reach new heights!

Supporting Business Growth

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.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

With ATMs available at our branch and beyond, accessing cash is quick and hassle-free. You can make withdrawals or check balances whenever needed without waiting in line.

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our auto loans offer competitive rates that can help make your dream car a reality. With flexible terms and straightforward applications, financing your next vehicle has never been easier.

Business Banking

For local entrepreneurs, we offer business banking solutions including merchant services and business loans. Let us help you manage your finances so you can focus on growing your business without the added stress of complicated banking processes.

Credit Cards with Rewards

Make your spending work for you! With our credit cards featuring rewards programs, every purchase earns you points that can be redeemed for travel, merchandise, or cashback. It's an easy way to get more from your everyday expenses.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide online and mobile banking services that allow you to manage your finances anytime, anywhere. Whether it's transferring funds or paying bills from the comfort of your home or on the go, we've got you covered.

Drive-Thru Banking

For members who prefer face-to-face service but want to keep things efficient, our drive-thru banking offers basic transactions like deposits and withdrawals without leaving your car. At United Bay Community, we strive to meet all your financial needs under one roof. We invite you to explore all that we have to offer by visiting us at 1309 N Lincoln St Bay City Mi 48708 or giving us a call at (989) 892-4597. Experience banking made simple today!

Mortgage Loans & Refinancing

Buying a home is one of the biggest investments you'll ever make, which is why our mortgage loans come with personalized support throughout the entire process. If you're already a homeowner, consider refinancing with us to possibly lower your monthly payments or access cash for renovations.

Personal Banking

For those just starting out or managing daily expenses, our personal banking services are designed with you in mind. You can open both checking and savings accounts that fit your lifestyle. We understand that life can be unpredictable, so having a reliable bank account is essential for smooth sailing through your financial journey.

Personal Loans & Debt Consolidation

Need extra funds for unexpected expenses? Our personal loans provide quick access to cash when you need it most. Plus, if you're juggling multiple debts, our debt consolidation options might help simplify your payments and reduce interest costs.

Digital & Online Banking

Key Features

Navigating your finances has never been easier. You can take advantage of e-statements to keep track of your transactions without the clutter of paper. If you prefer to sign documents digitally, our electronic signature authorization feature makes it simple and secure to complete transactions from home. For those on the go, our mobile application offers all the features you need for banking at your convenience. Whether you're making person-to-person transfers or checking your account while waiting in line, our user-friendly app is here to help. While mobile payments are currently not available, we encourage you to explore other options within our app and online services that make managing your finances straightforward.

Security and Accessibility

Your security is our priority. We employ advanced technology to protect your information while ensuring that using our services remains straightforward and hassle-free. At United Bay Community, we believe banking should empower you giving you peace of mind knowing that your finances are safe and sound. In summary, whether you're utilizing our online banking features or downloading our mobile app, United Bay Community is dedicated to providing an efficient banking experience tailored for today's busy lifestyles. Join us today and discover how easy it is to take charge of your financial future!

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 understand that you want to know your money is safe and growing. That's why we are proud to share our strong financial position with you. 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 your 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, committed team. Total Share Accounts stand at 57,397, showing a strong and growing member base that trusts us with their finances. 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 1309 N Lincoln St Bay City MI 48708 or call 989-892-4597 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 new or used vehicle, our dedicated team can guide you through the process.

Credit Lines

For those looking for additional flexibility in their finances, our credit lines totaling $41,824,905 can be an excellent option. They allow you to access funds as needed while only paying interest on what you use.

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're here to answer your questions and help you navigate the home buying process with ease.

Refinancing Options

If you're considering refinancing your current loans or exploring eligibility options for any of our products, our knowledgeable staff is available to discuss how we can help you save money and improve your financial situation. Feel free to reach out to us at 989-892-4597 or visit us at 1309 N Lincoln St Bay City MI 48708. You can also learn more about our services by visiting our website. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let United Bay Community assist you in achieving your financial aspirations today!

Unsecured Credit Card Loans

Managing day-to-day expenses is crucial for financial stability. 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. These cards are designed to provide convenience and support your spending needs without the need for collateral.

Loan Aggregator

Ensuring Accurate Loan Comparisons

LendMesh takes pride in its commitment to accuracy. Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that users receive fair and transparent offers tailored to their needs.

Key Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions. This guarantees transparency and helps users trust the information they receive. - No Sponsored Listings: Unlike many other comparison tools, LendMesh does not prioritize lenders based on paid promotions. The goal is to provide completely unbiased results for all users. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can quickly find the best options available, saving both time and money. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials reflect the positive experiences many have had using this tool. Take control of your borrowing journey today. Compare real-time loan offers at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*