United Bay Community Credit Union Pinconning MI | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to the United Bay Community at our Pinconning Office, located at 205 S Mable St, Pinconning, MI 48650. Since opening our doors in 1949, we have proudly served our community with dedication and integrity. With a total membership of 18,352 and assets totaling $281,461,818, we are more than just a credit union; we're a trusted partner in your financial journey. At United Bay Community, we understand that every member has unique needs. That's why we offer a wide range of services, from personal banking options like checking and savings accounts to specialized loans for auto financing and mortgages. Our commitment to you is reflected in our total deposits of $12,220,270 and the robust support we provide through over 15,177 loans and leases. Under the leadership of our CEO, Diane Abbonizio, and Board President, Christine Houle, we strive to foster a welcoming environment where everyone feels valued. Our team of 79 employees is dedicated to delivering exceptional service and ensuring that your financial goals are met with personalized attention. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address at P.O. Box 925, Pinconning, MI 48650. If you have any questions or need assistance, feel free to reach out to us at (989) 892-4597. Join us today and experience the community-focused services that make United Bay Community your best choice for banking! Visit our website at www.ubccu.org to learn more about how we can help you achieve your financial dreams.

Branch History & Mission

Community Engagement

Community engagement is at the heart of what we do. We actively participate in local events and initiatives aimed at making Pinconning a better place for everyone. Our partnerships with local organizations allow us to support initiatives that uplift families and promote financial literacy. While you can visit us at 205 S Mable St for all your banking needs, official correspondence should be sent to P.O. Box 925, Pinconning, MI 48650 if different from our branch address. Our dedicated team is here for you Monday through Friday from 9:00 am to 5:00 pm in the lobby and on Saturdays from 10:00 am until noon at the drive-thru. If you have questions or need assistance, don't hesitate to call us at 989-892-4597.

Join Us Today!

We invite you to become part of the United Bay Community family. Experience firsthand how we can help you achieve your financial goals while being part of a supportive network that cares about your success. Visit us today or check out our website at ubccu.org for more information about becoming a member!

Our Mission

Our mission at United Bay Community is simple yet profound: to enhance the financial well-being of our members while fostering a sense of community. We prioritize providing exceptional service and creating lasting relationships. We offer a range of services including checking and savings accounts, auto loans, mortgage refinancing, and business banking solutions all designed with our members' needs in mind. As part of our commitment to accessibility, we ensure that our branch is ADA compliant and equipped with modern digital tools like online banking and electronic statements. We also feature an ATM for convenient access to funds at any time.

Branch Location & Accessibility

Call Us Anytime

If you have questions or need assistance before your visit, don't hesitate to call us at 989-892-4597. Our friendly team is ready to assist you! While members can visit us at our branch address for all their banking needs, any official correspondence should be sent to P.O. Box 925, Pinconning, MI 48650. We look forward to welcoming you soon at United Bay Community!

Nearby Landmarks and Accessibility

You can easily find us near local favorites, making your visit even more convenient. Just a short walk from the beautiful Pinconning Park, our branch is situated close to various shops and eateries. Parking is plentiful, ensuring you have a hassle-free experience when you arrive. We also prioritize accessibility, featuring ADA-compliant entrances and ramps so everyone can feel welcome.

Operating Hours and Services

Our lobby hours are Monday through Friday from 9:00 AM to 5:00 PM. Need to swing by on Saturday? Our drive-thru is open from 9:00 AM to 12:00 PM, perfect for those busy weekends! At United Bay Community, we offer a range of services tailored to meet your banking needs whether you're looking for checking and savings accounts, auto loans, mortgage options, or business banking solutions.

Member Eligibility

At United Bay Community, we believe that everyone deserves to be part of a caring community, and becoming a member is your first step towards enjoying our range of personalized financial services. If you live, work, worship, or attend school in our local area, you're already eligible to join us! We welcome individuals from various backgrounds and circumstances, making it easy for anyone to take advantage of our competitive rates and member-focused benefits. To learn more about specific eligibility requirements, feel free to visit our detailed page at http://www.ubccu.org/services/become-a-member . Joining is simple! Just stop by our branch located at 205 S Mable St Pinconning Mi 48650, or give us a call at (989) 892-4597 if you have any questions. Ready to start your journey with us? You can open an account online by visiting http://www.ubccu.org/services/apply-online . We look forward to welcoming you into the United Bay Community family!

Business Banking & Commercial Services

Business 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. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $347,210, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's competitive market, having efficient payment processing can make all the difference. Our merchant services allow businesses to accept payments quickly and securely, helping you serve your customers better and keep operations running smoothly. With tailored solutions for every type of business, you can focus on what matters most growing your enterprise. Located at 205 S Mable St Pinconning Mi 48650 in Pinconning, MI, we are here to help you thrive. Connect with us at (989) 892-4597 to learn more about how our business banking services can support your goals!

Comprehensive List Of Services

Accessibility

We understand that everyone's schedule is different, which is why our branch operates during convenient hours: Monday through Friday from 9:00 am to 5:00 pm in the lobby and Saturday mornings in the drive-thru. You can also reach us at (989) 892-4597 if you have any questions about our services or need assistance. At United Bay Community, we're more than just a credit union; we're a community partner committed to supporting your financial journey. Explore all we have to offer by visiting us online at Pinconning Office or stop by our branch today! Your financial success starts here!

Business Banking

For business owners, United Bay Community offers comprehensive solutions as well. Our merchant services ensure that you can accept payments easily while our business loans provide the necessary capital to grow your venture.

Credit Cards

For those who enjoy rewards, our credit cards with rewards programs can be a great choice. Earn points on your everyday purchases and redeem them for travel, merchandise, or even cash back!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services. Manage your accounts from anywhere, pay bills with just a few clicks, and transfer money quickly through our person-to-person payment feature. Plus, with access to an ATM network and basic drive-thru banking for deposits and withdrawals, you can handle your transactions easily whenever you need.

Personal Banking

Our personal banking options include checking and savings accounts designed to suit various lifestyles. Whether you're looking to save for a future purchase or manage your daily expenses, we have the right account for you. For those in need of financing, we offer auto loans and vehicle financing that can help you get behind the wheel of your dream car without breaking the bank. If homeownership is on your horizon, consider our mortgage loans and refinancing options. We strive to make the process smooth and straightforward, helping you secure a loan that fits your budget. Additionally, our personal loans and debt consolidation services are available for members seeking to simplify their finances or cover unexpected expenses.

Digital & Online Banking

Always Available Support

Whether it's day or night, our online banking platform ensures you have access to your financial information whenever you need it. With these tools at your disposal, managing your finances has never been easier or more efficient. Explore the possibilities with United Bay Community's digital and online banking services today!

Convenient Online Banking Services

Our online banking services at https://www.ubccu.org/ allow you to access your accounts 24/7. You can check balances, pay bills, and transfer money all with just a few clicks. Plus, with our person-to-person transfers feature, sending money to friends or family is quick and straightforward.

Enhanced Security and Accessibility

Security is a top priority at United Bay Community. Our systems protect your personal information while making banking convenient for you. We also offer features like electronic signatures, which simplify processes while keeping everything secure.

User-Friendly Mobile Application

For those who prefer to bank on their mobile devices, our user-friendly mobile application is available for download. This app makes it easy to manage your accounts anytime, anywhere. You can deposit checks using electronic signature authorization and receive e-statements directly through the app for added convenience. And if you're ever in need of help, our support is just a tap away.

Financial Strength

Growing Member Base

Total Share Accounts stand at 57,397, showcasing a strong and growing member base that trusts us with their finances. The funds available for lending and investments through net shares amount to $1,038,388, further indicating our capacity to meet your needs effectively. In conclusion, 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 205 S Mable St Pinconning Mi 48650 or call (989) 892-4597 to learn more about how we can help you achieve your financial goals.

Investing Back into Our Community

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 commitment is reflected in our lending capacity; with $4,918 in used auto loans and $231,511,404 in total loans and leases, we support members' financial goals across various sectors.

Operational Efficiency

Our operational efficiency is highlighted by our $103,453, which enables 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.

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. 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 Financial Health

With a net worth of $20,717,387, we maintain robust financial health. This strength empowers 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 competitive financing options whether you're purchasing a new or used vehicle.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $7,980,893, making buying or refinancing simple. We also offer refinancing options that allow you to adjust your existing mortgage terms to better suit your current financial situation.

Other Loan Products

For those in business or looking for personal loans and debt consolidation options, we have various other lending products designed to meet your needs. If you're interested in commercial loans, our outstanding commercial loans totaling $347,210 provide the capital needed for business growth. Our goal at United Bay Community is to make financing accessible and straightforward. You can learn more about eligibility and begin your application process by visiting our website at www.ubccu.org. 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're committed to supporting our members with transparent and reliable financial solutions tailored just for them.

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 provide convenience and purchasing power without requiring collateral.

Loan Aggregator

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 that all offers presented are fair and transparent. By working exclusively with reputable lenders, LendMesh guarantees that the information you receive is accurate and trustworthy.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions empower users to make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how effective and reliable the platform can be. 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.

UNITED BAY COMMUNITY CREDIT UNION - Pinconning, MI