United Bay Community Credit Union Coleman MI | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to United Bay Community, your trusted financial partner in Coleman, MI. Located at 375 E Railway St, our branch has been serving the community since 1949, committed to providing you with personalized financial solutions. With a total membership of 18,352 and assets exceeding $281,461,818, we are proud to be a cornerstone of support for individuals and families in our area. At United Bay Community, we understand that banking is not just about transactions; it's about building relationships. That's why our dedicated team, led by CEO Diane Abbonizio and Board President Christine Houle, is here to guide you through every step of your financial journey. We offer a range of services tailored to meet your needs, including checking and savings accounts, auto loans, mortgages, and business banking options. While members can visit us at our Coleman branch for all their banking needs, official correspondence should be sent to our mailing address at 1309 N Lincoln St, Bay City, MI 48708-6172. Our commitment extends beyond traditional banking. We have a net worth of $20,717,387 and total deposits reaching $12,220,270, ensuring that your money is safe and secure with us. With over 79 employees ready to assist you and robust cash reserves of $2,523,364, we have the resources necessary to support our community effectively. Join us today to experience a financial institution that values trust and transparency. Whether you're looking to open an account or need assistance with loans, feel free to reach out at (989) 892-4597 or visit our website at www.ubccu.org. Let's build a brighter financial future together!

Branch History & Mission

Enhancements and Accessibility

In today's fast-paced world, we understand the importance of convenience. That's why we offer online and mobile banking services that allow members to manage their finances anytime, anywhere. Our branch is equipped with ADA-compliant facilities ensuring that everyone can access our services comfortably. We also provide drive-thru banking for quick transactions and ATM availability for easy cash withdrawals.

Join Us

As we continue this journey together, we invite you to become part of the United Bay Community family. Experience firsthand the supportive environment that has helped thousands achieve their dreams. Whether you're looking for personal or business banking solutions, we're here for you every step of the way. For more information about membership and our services, visit us online at United Bay Community or call us at (989) 892-4597 today! Together, let's build a brighter financial future in Coleman!

Our Mission

The mission of United Bay Community is simple yet powerful: to provide exceptional financial services while enhancing the well-being of our community. We believe in fostering relationships that go beyond banking. Our focus is on empowering individuals with the tools they need to achieve their financial goals whether that's securing an auto loan, saving for a home, or managing everyday expenses. We are dedicated to offering personalized services tailored to each member's unique situation. With options like checking and savings accounts, auto loans, mortgage loans, and business banking solutions, we strive to make banking accessible for everyone. Additionally, we pride ourselves on community outreach initiatives that support local charities and events, reinforcing our commitment to making Coleman a better place for all. While members can visit us at 375 E Railway St Coleman Mi 48618, official correspondence should be sent to 1309 N Lincoln St, Bay City, MI 48708-6172 for any necessary documentation.

Branch Location & Accessibility

Convenient Access and Amenities

Our location is designed with your convenience in mind. We have ample parking available right outside the branch, making it easy for you to stop by without any hassle. For those who require additional assistance, our branch is ADA compliant and features accessible ramps to ensure everyone can visit us comfortably. Our lobby hours are from 9:00 AM to 5:00 PM, Monday through Friday, with special hours on the third Wednesday of each month when we open at 10:00 AM. Need to make a quick deposit or withdrawal? Take advantage of our drive-thru service during the same hours for added convenience.

Get in Touch

We invite you to stop by or call us at 989-892-4597 if you have any questions or need assistance. Our dedicated team is here to help you every step of the way. Experience the friendly service and community spirit that United Bay Community is known for come see us today!

Services Tailored for You

At United Bay Community, we offer a wide variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Our ATM is readily available for quick cash withdrawals and balance checks, ensuring you have access to your funds whenever you need them. While members can visit us at 375 E Railway St, official correspondence should be sent to our mailing address at 1309 N Lincoln St, Bay City, MI 48708-6172.

Member Eligibility

Joining the United Bay Community community is like becoming part of a supportive family that genuinely cares about your financial well-being. If you're looking to become a member, you'll be pleased to know that eligibility is open to anyone who lives, works, worships, or attends school in the areas we serve. This means that whether you're a lifelong resident or just new to the community, you have a place with us! Additionally, if you have family members who are already members, they can help you join too. Becoming a member at United Bay Community not only gives you access to a variety of financial services tailored to your needs but also allows you to enjoy lower fees and competitive rates on loans and savings accounts. To get started, simply visit our website for detailed eligibility criteria at http://www.ubccu.org/services/become-a-member. When you're ready to open an account, the process is straightforward! You can apply online by following this link: http://www.ubccu.org/services/apply-online. Should you have any questions or need assistance, feel free to give us a call at (989) 892-4597. We're excited to welcome you into our community!

Business Banking & Commercial Services

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 merchant services that make transactions easier for you and your customers. Picture this: a busy Saturday at your store where every second counts. Our point-of-sale solutions can streamline payments, allowing you to serve more customers quickly and efficiently. This not only enhances customer satisfaction but also boosts your bottom line. Discover how United Bay Community can be a valuable partner on your business journey. Contact us today at (989) 892-4597 or visit us at 375 E Railway St Coleman Mi 48618 in Coleman, MI!

Comprehensive List Of Services

Connect With Us

Ready to explore how United Bay Community can assist you in achieving your financial goals? Give us a call at (989) 892-4597, or visit us online at Coleman Branch. Discover the difference personalized financial services can make in your life!

Credit Cards and Business Services

For those who love rewards, our credit cards with rewards program makes everyday purchases more rewarding. Earn points on your spending that can be redeemed for travel, merchandise, or cash back making every dollar count! For our business members, we provide essential services like merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we understand what businesses need and are committed to helping them succeed.

Digital Access Anytime

In today's fast-paced world, having access to your accounts anytime is crucial. That's why we offer online and mobile banking services. With just a few taps on your device, you can check balances, transfer funds, and pay bills without ever stepping foot in a branch. Our convenient ATM services allow for quick withdrawals or balance checks wherever you go. Need assistance? You can always visit us during lobby hours from 9:00 AM to 5:00 PM Monday through Friday or use our drive-thru service for quick transactions.

Home Financing Options

Buying a home is one of life's biggest milestones, and we are here to support you every step of the way with our mortgage loans and refinancing options. If you're ready to own your first home or want to refinance an existing mortgage for better terms, our knowledgeable team can guide you through the process smoothly. If unexpected expenses arise or if you're looking to consolidate debt, our personal loans offer a straightforward solution. Think about how much easier life can be when you have access to cash when you need it most.

Personal Banking Made Easy

We start with personal banking solutions that include checking and savings accounts, allowing you to manage your everyday finances effortlessly. Imagine having a dedicated account where you can easily deposit your paycheck or set aside funds for that dream vacation. Our accounts come with features that help you track spending and reach your financial goals. When it comes to financing larger purchases like cars, our auto loans and vehicle financing options make it simple. Picture driving off in a new car without the stress of complicated loan processes. We work hard to provide competitive rates and flexible terms that fit your budget.

Digital & Online Banking

Key Features for You

Imagine being able to manage your money from the comfort of your home or on the go. With our mobile application, accessing your account is simple and straightforward. You can download it on your smartphone and enjoy features like person-to-person transfers, allowing you to send money to friends or family instantly. No need for cash or checks just quick and easy transactions right from your device! Additionally, we know how important security is when it comes to online banking. That's why we offer electronic signature authorization, making it safe for you to sign documents digitally without any hassle. Plus, with e-statements available, you can view your account statements securely online rather than waiting for paper copies in the mail.

Real-Time Account Management

Being in control of your finances has never been easier. Our user-friendly online banking platform lets you manage your accounts in real time, ensuring you're always aware of your financial standing. Whether you want to check recent transactions or set up automatic payments, everything is right at your fingertips. At United Bay Community, we're committed to providing accessible banking solutions that fit into your lifestyle. Enjoy peace of mind knowing that managing your finances is secure and straightforward with our digital and online banking services!

Financial Strength

A Growing Community

Total Share and Deposit Accounts: 57,397, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $1,038,388 further reflect our commitment to providing you with accessible financial resources. 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 375 E Railway St Coleman Mi 48618 or call (989) 892-4597 to learn more about how we can help you achieve your financial goals.

Investment in Your Future

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 $103,453 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Lending Power

Our lending capacity supports members' financial goals across various sectors with $4,918 in used auto loans and $231,511,404 in total loans and leases. 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.

Member-Focused Savings Options

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.

Strong Capital Foundation

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.

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. We provide financing options for both new and used vehicles, ensuring you can drive away with peace of mind.

Business Loans

For business owners, our outstanding commercial loans totaling $347,210 provide the capital needed to grow and expand. We understand the challenges faced by small businesses and are here to support your success with tailored lending solutions. At United Bay Community, our team is dedicated to guiding you through each step of the borrowing process. If you're interested in refinancing or exploring eligibility options for any of our loan products, feel free to reach out at (989) 892-4597 or visit us at 375 E Railway St Coleman Mi 48618, Coleman, MI. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to partnering with you on your financial journey!

Credit Lines

Our total credit lines amounting to $41,824,905 ensure that you have access to funds whenever necessary. This type of financing provides a cushion during unexpected expenses or allows you to manage cash flow more effectively.

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 offer various products to fit your specific situation, whether you are a first-time buyer or looking to refinance an existing mortgage.

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. These cards are designed to give you the purchasing power you need without tying up your assets.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan Comparisons

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 fair and transparent offers. Each loan listing is verified for accuracy, so users can trust that they are getting reliable information.