United Bay Community Credit Union

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A short history of United Bay Community CU

Since its inception in 1949 the United Bay Community Credit Union has been serving its members in the BAY CITY, Michigan area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Lisa Mahler, the United Bay Community CU has grown its membership to over 18,368 with assets of more than $192,276,685. They have a main office and 5 branch offices. Please see the credit unions website or contact them by phone at (989) 892-4597 or email them at info@ubccu.org to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in BAY CITY, MI.

General Information For United Bay Community CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 61186
Address 1309 N LINCOLN ST 
City BAY CITY 
State Michigan 
Zip-Code 48708
Phone Number (989) 892-4597
Fax Number () -
Email Address: info@ubccu.org
CEO/President Lisa Mahler
Members 18,368 
Full-Time Employees 52 
Part-Time Employees 19 
Number of Branch Offices
Total Assets 192,276,685 
Website http://www.ubccu.org 

Compare United Bay Community Credit Union To Other Local Credit Unions


Credit Union Name
Branch Name
Address
Zip Code
Phone Number
ATM Access
Distance (Miles)
Great Lakes CU Credit Union Plus 9426 Birch Run Rd 48415 (989) 624-9344 No 3.83
Financialedge Community CU Euclid Office 1199 S Euclid Ave 48707 (989) 892-6088 No 4.92
Copoco Community CU Straits Branch 1479 Straits Dr 48706 (989) 684-1873 No 5.00
Sunrise Family CU Essexville Branch 190 N Powell Rd 48732 (989) 892-1833 No 5.12
Lake Huron CU Main Office 1540 Tittabawassee Rd 48603 (989) 752-5214 No 8.69

United Bay Community Credit Union Financial Performance Charts


Performance Charts

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Financial Data


United Bay Community Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 8.96 2.25 2.25 3.50 4.25
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 155 57 36 72 132
Rank Among All Michigan Credit Unions 24 12 10 10 23

United Bay Community Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.02 0.05 0.02 0.02
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 151 142 344 295
Rank Among All Michigan Credit Unions N/A 22 33 77 65
United Bay Community Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 8.9603,2565,180,246
All Other Unsecured Loans/Lines of Credit 8.4902,2755,413,484
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.25055212,208,275
Used Vehicle Loans 2.2503,42634,280,360
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.50074742,704,774
Total Other Real Estate Loans/Lines of Credit 4.2502103,774,053
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 2.7507086,784,297
TOTAL LOANS & LEASES 11,174110,345,489

United Bay Community Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 23414,338,23700
    b. 15 Years or less 35119,630,338251,530,785
Balloon/Hybrid
    a. > 15 years 1507,847,63613866,155
    b. 15 Years or less 10861,27500
Other Fixed Rate 227,28800
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000

OTHER REAL ESTATE

Closed-End Fixed Rate 27715,24700
Closed-End Adjustable Rate 1542,621,97917535,472
Open-End Adjustable Rate 29436,82700
Open-End Fixed Rate 0000
TOTALS 95746,478,827552,932,412

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
REVERSE MORTGAGES
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

United Bay Community Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes