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United Bay Community

1309 N Lincoln St, Bay City, MI 48708
NCUA Insured3.7 (47 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1949

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

1309 N Lincoln St

Bay City, MI 48708

Service Area

This credit union is located in Bay City and serves members in the MI area. Currently serving 18,848 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

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.

Best Rates in MI

Lowest rates currently reported by credit unions in MI (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(6 total)

Member Reviews

3.7

47 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Michigan 77

Michigan 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

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

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

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

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.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).