United Bay Community Credit Union

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United Bay Community Credit Union logo
Routing Number
Main Phone Number
(989) 892-4597
Main Office Address
1309 N Lincoln St
Bay City, MI 48708-6172
Main Office Hours
Thursday Hours: 9:00 AM - 5:00 PM

United Bay Community Credit Union was chartered on 01/01/1949. Headquartered in Bay City, MI, it has assets in the amount of $182,744,420. Its 18,290 members are served from 5 branch locations. Deposits in United Bay Community Credit Union are insured by the NCUA.

A.Individuals who reside, are employed, attend school or who worship in Bay, Saginaw, Midland or Arenac Counties.

B.Any person over the age of 55 who receives a retirement annuity, pension, social security, or similar retirement payment from private or government sources, and lives in, or belongs to a retirement organization located in the county, or in a county contiguous to the county where the credit union's main office is located.

C.Employees of this credit union.

D.Members of the immediate families of the foregoing.

E.Organizations, incorporated or otherwise, composed for the most part of the same general group making up the membership outlined above.

F.A spouse of a deceased member if elected to membership prior to remarriage.
Edit Info
Charter Number
Chartered On
Jan. 1, 1949
Number of Members
Lisa Smith
Credit Union Type
Federally Insured State-Chartered Credit Union
Field of Membership
Non-Federal Credit Union
Low-Income Designation
Member of FHLB
NCUA Insured Credit Union
Access to Electronic Services
  • Home Banking via Internet Website
  • Automatic Teller Machine (ATM)
  • Mobile Banking
  • Audio Response/Phone Based
Electronic Services
  • Account Balance Inquiry
  • e-Statements
  • Share Account Transfers
  • Download Account History
  • View Account History
  • Bill Payment
  • New Loan
  • Loan Payments
Credit Union Programs
  • Mortgage Processing
  • Approved Mortgage Seller
  • Brokered Certificates of Deposit
  • Investments not authorized by the FCU Act
Services & Products - Transactional
  • ATM/Debit Card Program
  • Money orders
  • No surcharge ATMs
  • Check Cashing
Services & Products - Depository
  • No Cost Share Drafts
  • Business Share Accounts
  • Share Certificates with low minimum balance requirement
Services & Products - Other
  • No Cost Bill Payer
  • Student Scholarship
Services & Products - Financial Education
  • Financial Education
  • Financial Literacy Workshops
  • In-School Branches
Services & Products - Credit
  • Overdraft Protection/ Courtesy Pay
  • Risk Based Loans
  • Business Loans
  • Indirect Consumer Loans
  • Overdraft Lines of Credit
  • Real Estate Loans
  • Share Secured Credit Cards
  • Participation Loans
  • Credit Builder
  • Interest Only or Pymt Option
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Branches in: Michigan


Bay City
Lincoln Office
Main Office Location
1309 N Lincoln St, Bay City, MI 48708-6172
Thursday Hours: 9:00 AM - 5:00 PM
Euclid Office
3939 N Euclid Ave, Bay City, MI 48706-2028
Thursday Hours: 9:00 AM - 7:00 PM
52800 N Main St, Mattawan, MI 49071
Thursday Hours: 9:00 AM - 6:00 PM
Pinconning Office
205 S Mable St, Pinconning, MI 48650
Thursday Hours: 9:00 AM - 5:00 PM
233 W Centre Ave, Portage, MI 49024-5353
Thursday Hours: 10:00 AM - 5:30 PM