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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 United Bay Community Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
United Bay Community Credit Union's 12 Month Term Savings CD rates are at 3.05%, 60 Month Term Savings CD rates are at 1.01%, Youth 6 month rates are at 1.00%, 48 Month Term Savings CD rates are at 0.85%, 36 Month Term Savings CD rates are at 0.65%. United Bay Community Credit Union's money market rates are at 0.02%. United Bay Community Credit Union's Personal Loan Rates are as low as 8.74%. United Bay Community Credit Union's Credit Card Rates are at 8.96%. MonitorBankRates evaluates the financial stability of United Bay Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.40%. Rates last updated and verified on 09/22/2026. United Bay Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at United Bay Community Credit Union? Share your experience about United Bay Community Credit Union by leaving a review below, or read customer reviews before you decide to use United Bay Community Credit Union. United Bay Community Credit Union
Lincoln Office 1309 N Lincoln St
https://www.ubccu.org Bay City, MI 48708-6172 
United Bay Community Credit Union CD Rates
United Bay Community Credit Union Money Market Rates
United Bay Community Credit Union Home Equity & HELOC
United Bay Community Credit Union Auto Loan Rates
United Bay Community Credit Union RV, Boat and Powersport Loan Rates
United Bay Community Credit Union Credit Card Rates
United Bay Community Credit Union Personal Loan Rates
Financial Health HistoryUnited Bay Community Credit Union’s Texas Ratio rose from 3.57% in Q2 2023 to 5.40% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for United Bay Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather United Bay Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with United Bay Community Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
United Bay Community Credit Union
Website
https://www.ubccu.org
Address
1309 N Lincoln St,
Bay City, MI 48708-6172
Phone
989-892-4597
Fax
989-892-5701
President
Christine Houle
CEO
Diane Abbonizio
Full-Time Employees
65
Part-Time Employees
12
Branch Locations
6
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.40%
Return on Assets (ROA)
0.1060%
Return on Equity (ROE)
1.4491%
Non-Performing Loans Ratio (NPL)
0.52%
Total Assets
304,429,987
Total Amount of Shares and Deposits
280,217,811
Total Shares and Deposits < 1 Year
263,166,489
Total Shares and Deposits 1 3 Years
15,687,045
Total Shares and Deposits > 3 Years
1,364,277
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,447,473
Total Uninsured Shares and Deposits > $250K (F+J)
3,447,473
Total Insured Shares and Deposits > $250K (item 17 less item K)
276,770,338
Total Interest Expense (Sum of items 6 8)
659,503
Share Certificates
1,584
Number of Accounts for Share Drafts
11,614
IRA KEOGH Accounts
588
Number of Accounts for Regular Shares
19,913
All other shares
21,209
Money Market Shares
3,160
Net Income (unless the amount is already included in Undivided Earnings)
322,798
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
25,175,924
Total Liabilities
282,461,869
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for United Bay Community Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for United Bay Community Credit Union
Frequently Asked Questions About United Bay Community Credit UnionHow many branches does United Bay Community Credit Union operate?United Bay Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join United Bay Community Credit Union?Yes, to access services at United Bay Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, United Bay Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, United Bay Community Credit Union provides members with tools to manage their accounts and build a solid financial history. Does United Bay Community Credit Union offer online and mobile banking?Most modern institutions like United Bay Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ubccu.org. Current United Bay Community Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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