United Bay Community Credit Union Mattawan MI | Low Mortgage Rates & Auto Loans

Introduction

Welcome to United Bay Community, your trusted financial partner located at 52800 N Main St, Mattawan, MI 49071. Since our establishment in 1949, we have been dedicated to serving our community with a personal touch and a commitment to financial well-being. With over 18,000 members benefiting from our services, we pride ourselves on building lasting relationships that empower individuals and families to achieve their financial goals. At United Bay Community, we understand the importance of reliable banking services. Our total assets amount to an impressive $281,461,818, reflecting our stability and dedication to supporting you. We currently hold $12,220,270 in deposits and have facilitated 15,177 loans to help our members realize their dreams. Whether it's purchasing a vehicle or securing a home mortgage, we're here for you every step of the way. Our leadership team is committed to excellence in service. Under the guidance of CEO Diane Abbonizio and Board President Christine Houle, we foster an environment where your needs come first. Our friendly staff of 79 employees is always ready to assist you with personalized advice and support. While members can visit us at our branch location, official correspondence should be sent to the same address: 52800 N Main Street, Mattawan, MI 49071. If you have questions or need assistance, don't hesitate to reach out at (269) 668-6336. Explore our wide range of services today! From checking accounts and auto loans to online banking options that make managing your finances easier than ever visit us or check out our website at www.ubccu.org. We're excited to serve you!

Branch History & Mission

Commitment to Accessibility

We understand that accessibility is key to serving all members effectively. That's why we ensure that our facilities comply with ADA standards and provide essential services such as ATM access and drive-thru banking options. Whether you need quick cash or want to handle more complex transactions, we're here for you every step of the way.

Community Engagement

Our dedication extends beyond banking. We actively participate in community outreach programs that aim to uplift local initiatives and support those in need. Through partnerships with local organizations and events, we work tirelessly to make Mattawan an even better place to live. Join us at United Bay Community today! Experience firsthand how we blend traditional values with modern conveniences tailored just for you. Whether you're looking to open an account or simply learn more about what we offer, we're excited to welcome you into our family. Visit us or give us a call at 269-668-6336 we can't wait to serve you!

Our Evolution

From humble beginnings, United Bay Community has blossomed into a trusted financial institution with over 18,000 members. Our total assets have reached an impressive $281,461,818, reflecting our growth and stability. We pride ourselves on being more than just a credit union; we are a part of this community's fabric, helping families achieve their dreams through accessible banking services. As we moved through the years, we embraced modern advancements while staying true to our mission of providing personal and business banking solutions. Our operating hours are designed with your convenience in mind: Monday to Friday from 9:00 am to 5:00 pm for lobby services and drive-thru banking. We also open at 10:00 am on the third Wednesday of each month to better serve you.

Our Mission

At United Bay Community, our mission is simple but impactful: to empower our members by providing exceptional financial services while fostering community spirit. We offer a wide range of products including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. By prioritizing both financial health and community support, we strive to make a positive difference in the lives of those around us. While members can visit us at 52800 N Main St for all their banking needs, official correspondence should be sent to our mailing address: 52800 N Main Street, Mattawan, MI 49071.

Branch Location & Accessibility

Accessibility and Features

At United Bay Community, we prioritize your convenience. Our branch offers ample parking for members and visitors alike. We are committed to accessibility and have features in place to ensure that everyone can comfortably access our services. With ADA-compliant ramps and entrances, all members can feel welcome here.

Call to Action

We invite you to visit us at United Bay Community in Mattawan! If you have any questions or want to learn more about our services, don't hesitate to give us a call at 269-668-6336. We're excited to help you with all your financial needs!

Operating Hours

We know that banking hours can make a big difference in your day-to-day life. That's why our lobby is open Monday through Friday from 9:00 AM to 5:00 PM. For those who prefer drive-thru banking, we're here for you during the same hours! Please note that on the third Wednesday of each month, we open at 10:00 AM for lobby services.

Services Offered

Whether you're looking for personal banking options like checking and savings accounts or considering auto loans and mortgages, we've got you covered. Our ATM is available for cash withdrawals and balance inquiries anytime you need it. Plus, if you're in a hurry or just prefer the convenience of drive-thru banking, we offer basic transactions right from your car!

Member Eligibility

Joining the United Bay Community is like stepping into a welcoming family where your financial well-being comes first. If you're a resident of Michigan, work in the area, or have family members who are already part of our community, you may be eligible for membership! This inclusive approach means that many can enjoy the benefits we offer, from personalized banking services to competitive loan rates. To learn more about the specific eligibility requirements and see if you qualify, feel free to visit our detailed page at http://www.ubccu.org/services/become-a-member. Becoming a member is straightforward and hassle-free! You can easily open an account online by visiting http://www.ubccu.org/services/apply-online. If you have any questions or need assistance during the process, don't hesitate to give us a call at (269) 668-6336. We're here to help you every step of the way as you join our vibrant community located at 52800 N Main St, Mattawan, MI 49071. Welcome aboard!

Business Banking & Commercial Services

Business Loans That Fuel 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.

Merchant Services That Simplify Transactions

In today's fast-paced marketplace, efficient transaction processing is key. Our merchant services allow you to accept payments easily, whether through card transactions or online payments. Imagine quickly processing customer purchases without hassle, allowing you more time to focus on what truly matters growing your business. At United Bay Community, we know that every dollar counts. Whether you're seeking funding or looking for ways to streamline your operations, we're here to support your journey every step of the way. For more information, contact us at (269) 668-6336 or visit our website at https://www.ubccu.org/.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our Auto Loans & Vehicle Financing options make it easier than ever to drive off in the vehicle of your dreams. We provide competitive rates and flexible terms that fit your budget. Whether you're purchasing new or used, our friendly staff will guide you through every step of the financing process.

Business Banking

For entrepreneurs and business owners, we offer comprehensive Business Banking services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're here to support your ambitions.

Convenience Features

Accessing your accounts has never been easier! Enjoy the benefits of our Online & Mobile Banking, allowing you to manage transactions anytime, anywhere. Need cash? Use our ATM services for quick withdrawals and balance checks. And for those who prefer face-to-face interactions, our basic drive-thru banking allows for deposits and simple transactions without leaving your car. At United Bay Community, we believe in making banking straightforward and accessible for everyone in the community. If you'd like more information on any of these services or if you're ready to get started, don't hesitate to give us a call at (269) 668-6336 or visit us today! Your financial journey begins here!

Credit Cards with Rewards

With our Credit Cards with Rewards, every purchase can earn you points towards exciting rewards. Whether it's cash back or travel perks, using our card can add value to your everyday spending.

Mortgage Loans & Refinancing

Homeownership is within reach with our Mortgage Loans & Refinancing services. If you're looking to buy a new home or refinance an existing mortgage for better terms, we have options that cater to various needs. Picture yourself settling into a home that fits your lifestyle while benefiting from favorable interest rates.

Personal Banking

We understand that managing your finances can be challenging. That's why we offer Personal Banking services that include checking and savings accounts designed to help you reach your financial goals. Imagine having easy access to your funds while earning interest on your savings. With our online and mobile banking features, you can check balances, transfer money, and pay bills all from the convenience of your phone or computer.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our Personal Loans & Debt Consolidation offerings are perfect for those times when you need extra cash or want to simplify your monthly payments. We work closely with you to find a solution that works best for your situation.

Digital & Online Banking

Key Services

Our 24/7 online banking service allows you to check balances, transfer funds, and pay bills without leaving your home. If you ever need to send money to friends or family, our person-to-person transfer feature makes it simple and quick. Plus, if you're on the go, our mobile application ensures that all these services are right at your fingertips. Security is always a priority at United Bay Community. We utilize electronic signature authorization to keep your transactions safe and secure. You can also opt for e-statements, which not only help you go paperless but also allow for easy tracking of your financial activity.

User-Friendly Experience

Whether you're tech-savvy or just starting with online banking, our user-friendly interface makes navigation a breeze. You'll find that managing your accounts has never been easier or more efficient. With real-time updates and notifications, you can stay informed about your finances without any hassle. In summary, United Bay Community's digital and online banking services bring banking right to your doorstep literally! Explore everything we have to offer today at https://www.ubccu.org/ and take control of your financial journey with ease.

Financial Strength

Dedicated Team

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. 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 52800 N Main St Mattawan Mi 49071 or call 269-668-6336 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.

Focused on Members

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. This focus allows us to reinvest in innovative banking tools and stronger lending options.

Secure 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. This commitment to safeguarding your funds illustrates our dedication to your financial well-being.

Solid Financial Health

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.

Strong Lending Capacity

With $4,918 in used auto loans and $231,511,404 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our net income of $103,453 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

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 vehicle or a reliable used car, our team is here to assist you every step of the way.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $7,980,893, allowing you to invest in your future without unnecessary complications. If you're considering refinancing your current mortgage or exploring eligibility options, our team can guide you through the process.

Other Loan Options

In addition to auto and mortgage loans, we provide various personal loan solutions tailored to meet individual needs. Our credit lines are available for those seeking flexibility in borrowing and spending with a total of $41,824,905 issued. For business owners looking for funding opportunities, our outstanding commercial loans totaling $347,210 provide essential capital needed for growth and expansion. Feel free to reach out to us at 269-668-6336 or visit us at our branch located at 52800 N Main St Mattawan MI 49071 for more information on any of our loan offerings. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how United Bay Community can help meet your financial needs today!

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. This option allows you to make purchases while keeping your budget in check.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With so many options available, having a reliable tool like LendMesh at your disposal can help you navigate the complexities of borrowing. LendMesh ensures accurate loan comparisons by sourcing data 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 approach guarantees that users receive fair and transparent offers, allowing for informed decision-making. One key benefit of using LendMesh is its commitment to Verified Data. Loan offers are sourced from legitimate financial institutions, ensuring transparency throughout the comparison process. Additionally, LendMesh prioritizes fairness by avoiding Sponsored Listings; lenders are not ranked based on paid promotions. This means users can trust that the results are unbiased and truly reflective of the best available options. With Real-Time Rate Comparisons, LendMesh provides up-to-date loan rates from multiple institutions, which helps users make informed decisions quickly. 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!" Compare real-time loan offers today 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.