Credit union · NCUA insured
United Bay Community Credit Union Savings Rates
United Bay Community Credit Union’s best savings rate is 0.10% APY on $10,000, with its Money Manager Account. Rates checked October 16, 2026.
How United Bay Community Credit Union’s savings 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
0.10%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $10
Money Manager Account
Top rate
FinancialEdge Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $400
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
United Bay Community Credit Union savings score
65
Savings score
Higher than 14% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.60%
- QualifiedQualified0.10%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Manager Account
0.10%APY
Tiered-rate structure based on average daily balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Dividends are compounded daily and paid monthly. Balance tier: less than $1,000. | 0.02% | — | Dividends are compounded daily and paid monthly. Balance tier: less than $1,000. |
| $1,000 – $9,999Dividends are compounded daily and paid monthly. Balance tier: $1,000 to $9,999. | 0.05% | — | Dividends are compounded daily and paid monthly. Balance tier: $1,000 to $9,999. |
| $10,000 – $24,999Dividends are compounded daily and paid monthly. Balance tier: $10,000 to $24,999. | 0.10% | $10 | Dividends are compounded daily and paid monthly. Balance tier: $10,000 to $24,999. |
| $25,000 – $49,999Dividends are compounded daily and paid monthly. Balance tier: $25,000 to $49,999. | 0.25% | — | Dividends are compounded daily and paid monthly. Balance tier: $25,000 to $49,999. |
| $50,000 – $99,999Dividends are compounded daily and paid monthly. Balance tier: $50,000 to $99,999. | 0.35% | — | Dividends are compounded daily and paid monthly. Balance tier: $50,000 to $99,999. |
| $100,000 – $249,999Dividends are compounded daily and paid monthly. Balance tier: $100,000 to $249,999. | 0.60% | — | Dividends are compounded daily and paid monthly. Balance tier: $100,000 to $249,999. |
| $250,000 and upDividends are compounded daily and paid monthly. Balance tier: $250,000 or more. | 1.21% | — | Dividends are compounded daily and paid monthly. Balance tier: $250,000 or more. |
Sources (2)
All captured Oct 16, 2026
Special Savings Account
0.02%APY
Average daily balance is used to determine savings rate tiers. Dividends are compounded daily and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are compounded daily and credited monthly.Any balance | 0.02% | $2 | Dividends are compounded daily and credited monthly. |
Sources (1)
- ubccu.org/savings-rates · captured Oct 16, 2026
Special-purpose accounts
Lucky 13 Club Account
0.70%APY
Purchases made with Ubay debit card are rounded up to the next dollar and change is transferred to the Lucky 13 Club account. Up to an additional $100 per month may be deposited. Every 13 months balance is automatically transferred into Savings Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires United Bay Community Credit Union Debit Mastercard for round-up transfers. Deposit up to an additional $100 per month. Every 13 months balance transfers to Savings Account. Dividends are compounded daily and paid monthly.Any balance | 0.70% | $70 | Requires United Bay Community Credit Union Debit Mastercard for round-up transfers. Deposit up to an additional $100 per month. Every 13 months balance transfers to Savings Account. Dividends are compounded daily and paid monthly. |
Sources (2)
All captured Oct 16, 2026
Christmas Club
0.02%APY · 1 term
Set up a 12-month savings schedule. Account balances are automatically transferred to regular savings account on Oct. 1. Dividends are compounded daily and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsOpen account with as little as $5. Balances are automatically transferred to regular savings account on Oct. 1. Dividends are compounded daily and credited monthly | 0.02% | $2 |
Sources (2)
All captured Oct 5, 2026
IRA Savings Account
0.02%APY
Traditional and Roth IRAs available. Dividends are compounded daily and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTraditional and Roth IRAs available. Dividends compounded daily and credited monthly.Any balance | 0.02% | $2 | Traditional and Roth IRAs available. Dividends compounded daily and credited monthly. |
Sources (2)
All captured Oct 16, 2026
Youth Savings Account
0.02%APY
Available for members age 17 and under. Dividends are compounded daily and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFor young members age 0 to 17. Dividends are compounded daily and credited monthly.Any balance | 0.02% | $2 | For young members age 0 to 17. Dividends are compounded daily and credited monthly. |
Sources (3)
- ubccu.org/save-and-spend/savin…ccounts/savings-accounts
- ubccu.org/save-and-spend/savings-accounts/youth-services
- ubccu.org/savings-rates
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.