Credit union · NCUA insured
United Bay Community Credit Union
A $304.4M credit union headquartered in Bay City, MI, with 18,870 members and 6 branches in Michigan. Best rates: CDs 1.01% and savings 0.10% APY.
United Bay Community Credit Union Carrot Score
84
Carrot Score
Higher than 67% of U.S. banks and credit unions
#8 of 16 in Bay City, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About United Bay Community Credit Union
United Bay Community Credit Union is a member-owned, state-chartered community credit union founded to build and foster the financial well-being of its community.
The credit union is headquartered in Bay City, Michigan.
- Headquarters
- 1309 N Lincoln St, Bay City, MI 48708-6172
- NCUA charter
- 61186
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to anyone who lives, works, worships, or attends school in Michigan.
Cost to join
- A minimum deposit of $5 is required to establish a membership share.
Branches
6 branches in Michigan
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Michigan
6 branches
Bay City area · 3
- Lincoln OfficeMain office1309 N Lincoln St, Bay City, MI 48708Directions
- Euclid Office3939 N Euclid Ave, Bay City, MI 48706Directions
- Pinconning Office205 S Mable St, Pinconning, MI 48650Directions
Midland area · 1
- Coleman Branch375 E Railway St, Coleman, MI 48618Directions
Mattawan area · 1
- Mattawan52800 N Main St, Mattawan, MI 49071Directions
Kalamazoo area · 1
- Portage233 W Centre Ave, Portage, MI 49024Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 7.54% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.60% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.50% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $90 | $76 | — |
- CapitalNet worth ratio7.54%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.60%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.50%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$90Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of United Bay Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.