United Bay Community Credit Union Portage MI | Affordable Vehicle Loans & Top Checking Accounts

Introduction

Welcome to United Bay Community, your trusted financial partner located at 233 W Centre Ave, Portage, MI 49024. Since opening our doors in 1949, we have proudly served our community, building strong relationships and offering exceptional financial services tailored to meet the needs of our 18,352 members. With total assets of $281,461,818 and deposits amounting to $12,220,270, we emphasize both security and growth for our members. Our commitment to fostering a supportive financial environment is reflected in our robust lending portfolio that includes over 15,177 loans and leases. At United Bay Community, we believe in empowering our members with the resources they need to achieve their financial goals. Led by our dedicated CEO, Diane Abbonizio, and Board President Christine Houle, we prioritize member satisfaction and community engagement. Our team of 79 employees is here to assist you with everything from personal banking to business loans. We also offer convenient services such as online banking, ATMs, and drive-thru banking to enhance your experience. While members can visit us at our branch for face-to-face support, official correspondence should be sent to the same address: 233 W. Centre Avenue, Portage, MI 49024. If you have any questions or need assistance, feel free to reach out at (269) 668-6336. Join us today at United Bay Community where your financial well-being is our top priority! Explore more about what we offer by visiting our website at ubccu.org. We look forward to serving you!

Branch History & Mission

Welcome to United Bay Community in Portage, MI! Since our establishment in 1949, we have been committed to serving our members with dedication and integrity. Over the years, we've grown from a small credit union into a trusted financial partner for over 18,000 members. Our journey has been one of resilience and community focus, consistently adapting to meet the evolving needs of those we serve. Located at 233 W Centre Ave, Portage, MI 49024, our branch is conveniently situated near local landmarks that make it easily accessible for all our members. While members can visit us at this address, official correspondence should be sent to 233 W. Centre Avenue, Portage, MI 49024 if necessary. Our mission is simple yet powerful: to provide outstanding financial services while making a positive impact in our community. We believe that everyone deserves access to affordable banking solutions. From personal checking accounts and savings plans to auto loans and mortgages, we strive to offer products that not only benefit our members financially but also strengthen the fabric of our community. As technology has advanced, so have we. Our commitment to modern banking means you can manage your finances through online banking and mobile apps at your convenience. We are proud of our digital offerings which include electronic statements and mobile payments options. Additionally, we ensure that all our facilities are ADA compliant to serve everyone. United Bay Community actively engages in community outreach efforts. We partner with local organizations and host events designed to uplift and support our neighbors. Our aim is not just to be a financial institution but a cornerstone of community strength. We understand that banking should be easy and accessible. That's why we offer convenient operating hours: Monday through Friday from 9:00 am to 5:00 pm for lobby services and extended drive-thru hours for added flexibility. Our ATMs are available for quick cash withdrawals anytime you need them. Join us on this journey as we continue to grow and serve the Portage community. At United Bay Community, you're not just a member; you're part of a family dedicated to helping you achieve your financial goals. We invite you to experience the benefits of membership with us today! For more information or to open an account, please call us at 269-668-6336 or visit our website.

Branch Location & Accessibility

Convenient Location

Situated near local landmarks, our branch is just a short drive from popular spots in Kalamazoo County. You can enjoy hassle-free parking right outside our doors, making it simple to stop by for all your banking needs. Our facility is fully ADA compliant, featuring ramps and accessible entrances to ensure everyone can visit us comfortably.

Operating Hours

We strive to accommodate your busy schedule. Our lobby is open Monday through Friday from 9:00 AM to 5:00 PM, giving you plenty of time to drop in when it's convenient for you. If you prefer using our drive-thru service, we are here for you during the same hours on weekdays and open on Saturdays from 9:00 AM to noon for quick transactions.

Services Offered

At United Bay Community, we provide a wide range of services tailored to meet your needs. From checking and savings accounts to auto loans and credit cards with rewards, we have solutions that fit every member's financial goals. Need cash? Our ATM is available for withdrawals and balance checks whenever you need it! If you ever have questions or need assistance, feel free to give us a call at 269-668-6336. Our dedicated team is always ready to help you navigate your financial journey. While members can visit us at 233 W Centre Ave for all their banking needs, official correspondence should be sent to the same address. We invite you to come by, explore what we offer, and see how United Bay Community can support your financial aspirations today!

Member Eligibility

At United Bay Community, we believe that everyone deserves a place where they can grow financially and feel supported. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the communities we serve, you're likely eligible to join our family. We're dedicated to providing a range of services that help our members achieve their financial goals. You can explore more about the specific eligibility criteria by visiting us at http://www.ubccu.org/services/become-a-member . Opening an account with us is just as easy! With just a few clicks, you can start your membership journey through our online application process found here: http://www.ubccu.org/services/apply-online . Should you have any questions or need assistance, don't hesitate to reach out to us at (269) 668-6336. We're here to help you every step of the way as you become part of the United Bay Community community located at 233 W Centre Ave Portage Mi 49024!

Business Banking & Commercial Services

Practical Merchant Services

Imagine having the tools to streamline your transactions right at your fingertips. Our merchant services simplify payment processing so you can focus on what matters most running your business. From credit card processing to tailored payment solutions, we ensure you can serve your customers efficiently. Located at 233 W Centre Ave Portage Mi 49024 in Portage, MI, we're ready to partner with you on your journey to success. Contact us today at (269) 668-6336 to learn more about how our business banking services can empower your vision!

Supporting Your 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. - 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.

Comprehensive List Of Services

Accessibility

We know that accessibility matters. That's why we have an ATM on-site for easy access to your funds and a drive-thru service for members who prefer more convenience during their busy days. At United Bay Community, we believe in building strong relationships with our members by offering personalized service and comprehensive solutions tailored just for you. If you're ready to take the next step toward achieving your financial goals or if you have any questions about our services, don't hesitate to reach out! Call us at (269) 668-6336, or visit us at 233 W Centre Ave Portage Mi 49024 in Portage, MI. Discover how easy banking can be with us today!

Business Banking

If you're a business owner, we haven't forgotten about you! Our business banking services include merchant services that make accepting payments easy and efficient. Plus, our business loans can give you the financial boost needed for growth or expansion.

Cash Withdrawal Services

Need cash? We've got you covered with our ATM and cash withdrawal services available at our branch and through ATMs nationwide. For quick transactions, utilize our basic drive-thru banking for deposits, withdrawals, and other simple tasks without leaving your car.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why at United Bay Community, we offer robust online and mobile banking features. You can easily manage your accounts, pay bills, and transfer money right from your phone or computer whenever it suits you best.

Personal Banking

We understand that managing personal finances can sometimes feel overwhelming. That's why we offer personal banking services that include checking and savings accounts designed to help you achieve your financial goals. Need a new car? Our auto loans and vehicle financing options can get you behind the wheel with ease. We also provide mortgage loans and refinancing solutions that can simplify your home buying experience or help you lower your monthly payments. For those unexpected expenses or consolidating debt, our personal loans are here to assist you when you need it most. And don't forget about our credit cards with rewards, which allow you to earn points on everyday purchases.

Digital & Online Banking

E-Statements for Easy Tracking

Keeping track of your finances is vital, and our e-statements make it easier than ever. With this feature, you'll receive your bank statements electronically saving paper and allowing you to access them anytime from anywhere. Say goodbye to piles of paperwork!

Mobile Application for On-the-Go Access

For those who prefer managing their finances from their smartphones, our mobile application is here to help. Available for download, this user-friendly app allows you to perform all your banking tasks right from your pocket. Whether you're checking balances or making person-to-person transfers, it's all just a few taps away.

More Features at Your Fingertips

Although mobile payments are not currently available, we still offer essential features like person-to-person transfers that let you send money easily to friends or family without any hassle. We strive to keep our services accessible and easy to use for everyone. Experience the freedom and convenience of banking digitally with us at United Bay Community! Explore all the possibilities today by visiting https://www.ubccu.org/ .

Security You Can Trust

Your security is our priority. At United Bay Community, we use advanced security measures to protect your personal information and transactions. This means you can bank with peace of mind knowing that your data is safe.

Financial Strength

Commitment to Growth

With $7,899,871 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our total loans and leases stand at $231,511,404, which supports members' financial goals across various sectors. In addition to this lending capacity, we have extended $49,918 in used auto loans to help our members drive away with their dream vehicles.

Growing Member Base

We currently have 57,397 total share accounts, showing a strong and growing member base that trusts us with their finances. This trust empowers us to continually enhance our services and support your financial journey. 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 233 W Centre Ave Portage Mi 49024 or call 269-668-6336 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our net income of $103,453 reflects our operational efficiency. This 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 and committed team.

Secure Savings Opportunities

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.

Solid Financial Health

With a net worth of $20,717,387, we maintain robust 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 offer flexible terms and competitive interest rates that make it easier for you to drive away in your dream vehicle.

Credit Lines and Other Financing

In addition to auto and mortgage loans, our total credit lines available stand at $41,824,905. This product is perfect for those who need extra flexibility when managing expenses or unexpected costs. For business owners looking for support, we have outstanding commercial loans totaling $347,210 that provide the capital needed to grow and expand your business. If you're considering refinancing any of these options or want to learn more about eligibility criteria for our loan products, please visit our website at ubccu.org or give us a call. We're here to assist you in making informed decisions regarding your financial future. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

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. Our experienced team is here to guide you through the process and help you find the right mortgage solution for your budget and lifestyle.

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. Our credit cards come with benefits designed to fit your spending habits while allowing you to maintain control over your finances.

Loan Aggregator

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UNITED BAY COMMUNITY CREDIT UNION