NCUA Insured
Member-Owned
2 charter
Established in 1949
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Bay City, MI may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
2 charter
Established in 1949
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Bay City and serves members in the MI area. Currently serving 18,848 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
5.24%Used Auto Loan
5.24%Personal Loan
9.75%Credit Card APR
8.96%Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.
Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.
Lowest rates currently reported by credit unions in MI (NCUA Q4 2025).
Wyandotte, MI
Onaway, MI
Detroit, MI
Niles, MI
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
3.7
47 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsMichigan 77
9 months ago
Horrible customer service from the loan department. I uploaded the info requested and after 8 days I emailed in asking the status and she said she didn’t receive it. I asked her to check her uploaded files and there it was.. received 8 days ago. She also asked on two separate occasions if she could call me which I agreed to and I didn’t receive a call either time. I then asked to be switched to another rep who became just as unprofessional as the first one. I followed her directions on what information to submit from one of my tax returns and emailed it in. No response. I had to email back in to get a response (3 business days later) to be told that sometimes emails get missed. You would think that since I had a bad experience with the first rep that the next rep would step it up but nope. Save yourself a headache and go elsewhere.
Shannon Lennon
7 months ago
Linda at the front desk was very helpful setting me up with a loan officer. Was done in less than an hour.
Alexandria Roznowski
9 years ago
They are usually very fast and friendly. I only had a few problems like my account being locked. Just because an account that had my name on it from when I was little was over drafted somehow, even though I never used it, my dad did. But I talked to a manager and got it figured out. Inside is usually faster for me so I wish they were open inside on Saturdays. Overall a very good bank I have been with for years. Way better than Huntington by far. :)
Nicholas Jean
3 years ago
Was a member for 4+ years before closing my account. Between them constantly reporting my everyday regular charges as fraud, and the absolutely terrible condition of their parking lot, I decided to close my account. They only have locations in Bay city, and they don't care about member retention. All there systems and ways of doing things are old, and not up to date with modern banking. Do yourself a favor, choose a different credit union.
Lindsey Karbowski
3 years ago
United Bay has been my credit union since birth. As an adult they have been super helpful with getting a mortgage and helping me set up an IRA for retirement. I love their products and services.
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(989) 892-4597Website
Visit WebsiteMembers
18,848
Total Assets
$297.0M
Year Opened
1949
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile