Credit union · NCUA insured
United Bay Community Credit Union CD Rates
United Bay Community Credit Union’s best CD rate is 1.01% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How United Bay Community Credit Union’s CD rates compare
Compared with banks and credit unions near Bay City, MI, where United Bay Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
United Bay Community Credit Union
1.01%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $515
Term Savings Certificate
Top rate
Sunrise Family Credit Union
4.59%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $498
2nd-highest rate
Lake Huron Credit Union
4.50%APY
- Term
- 24 months
- Minimum
- —
- Earns on $10,000
- $920
United Bay Community Credit Union CD score
61
CD score
Higher than 3% of U.S. banks and credit unions
- 3–8 months3–8 mo0.23%
- 9–15 months9–15 mo0.41%
- 16–30 months16–30 mo0.60%
- 31–60 months31–60 mo1.01%
- QualifiedQualified1.01%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where United Bay Community Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Savings Certificate
Up to 1.01%APY · 9 terms
All certificates have the following terms unless noted otherwise: minimum deposit of $500.00 is required (with the exception of the Youth Certificate which is a $25 minimum); a penalty will be imposed for early withdrawal; Interest is compounded daily and paid monthly. Rate is fixed for term of certificate but may adjust at maturity. Rates are subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.14% | $3 |
| 6 months | 0.23% | $11 |
| 12 months | 0.41% | $41 |
| 18 months | 0.46% | $69 |
| 24 months | 0.50% | $100 |
| 30 months | 0.60% | $151 |
| 36 months | 0.65% | $196 |
| 48 months | 0.85% | $344 |
| 60 months | 1.01% | $515 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Savings Certificate
Up to 3.05%APY · 9 terms
Traditional and Roth IRAs available. Minimum deposit of $500.00 required (with the exception of 12 month add on which is $50). A penalty will be imposed for early withdrawal; interest is compounded daily and paid monthly. Rates are fixed for term of certificate but may adjust at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.14% | $3 |
| 6 months | 0.23% | $11 |
| 12 months | 0.41% | $41 |
| 12 months12 Month Add-On: Minimum deposit of $50 and funds may be added up to $25,000 total to the sum of all 1 Year add-on certificates per member per year. Rate is fixed for term of certificate but may adjust at maturity | 3.05% | $305 |
| 18 months | 0.46% | $69 |
| 24 months | 0.50% | $100 |
| 30 months | 0.60% | $151 |
| 36 months | 0.65% | $196 |
| 48 months | 0.85% | $344 |
| 60 months | 1.01% | $515 |
Sources (3)
- ubccu.org/save-and-spend/savin…retirement-accounts-iras
- ubccu.org/savings-rates
- ubccu.org/services/rates
All captured Sep 24, 2026
Youth Savings Certificate
1.00%APY · 1 term
For young people age 17 and under. Six-month term with $25 minimum deposit. Additional deposits of at least $1 can be made at anytime until the Certificate matures. After six months, account owners can withdraw their money or let the certificate roll over for another six months at current rates. On the first maturity date after the account owner’s 18th birthday, the entire balance transfers to a regular savings account and the certificate is closed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFor young people age 17 and under. $25 minimum deposit required. Additional deposits of at least $1 can be made at anytime until maturity | 1.00% | $50 |
Sources (2)
All captured Oct 16, 2026
Who can join United Bay Community Credit Union
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.
Membership information collected October 5, 2026.