Credit union · NCUA insured
United Bay Community Credit Union Credit Card Rates
United Bay Community Credit Union credit cards start at 8.96% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How United Bay Community Credit Union’s credit card rates compare
Compared with banks and credit unions near Bay City, MI, where United Bay Community Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
United Bay Community Credit Union
8.96%APR
- Up to
- —
Visa Credit Card
Lowest rate
FinancialEdge Credit Union
8.90%APR
- Up to
- 18.90% APR
3rd-lowest rate
Frankenmuth Credit Union
8.99%APR
- Up to
- —
United Bay Community Credit Union credit card score
89
Credit card score
Higher than 86% of U.S. banks and credit unions
- Purchase APRPurchase APR8.96%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where United Bay Community Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Credit Card
Minimum line of credit is $200. No annual fee and no balance transfer fee. Subject to approval; rates, terms, and conditions vary based on credit score and qualifications.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.96% | None | Rate is 'as low as' based on creditworthiness. $200 minimum line of credit. No balance transfer fee. |
Sources (3)
All captured Oct 5, 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This may be incomplete or out of date, so check with the credit union before you apply.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.