United Bay Community Credit Union
Headquarters
1309 N Lincoln St
Bay City, MI 48708
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2024 Overview
General Credit Union Information
United Bay Community is an NCUA insured institution located in Bay City, MI. It was founded in 1949 and has approximately $282.55 millions in assets.
Who can join?
United Bay Community Credit Union is a state chartered community credit union that serves the following counties: Bay, Midland, Arenac, Saginaw, Kalamazoo and VanBuren County. If you live, work, worship or attend school in any of these counties, you are eligible to become a member of this credit union.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 61186 |
| Date Established | 1949 |
| Assets | $282.55 million |
| Loans | $229.71 million |
| Deposits | $259.61 million |
| Capital | $20.68 million |
Field of Membership Restrictions
Membership is open to those who live, work, attend school or worship in Midland, Arenac, Saginaw, Bay, Kalamazoo and VanBuren Counties in Michigan.
Deposit Rates - November 7, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
|
Money Market
|
0.06% | $2,500 | $2,999 |
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|
|
Money Market
|
0.08% | $10,000 | $14,999 |
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|
|
Money Market
|
0.12% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.23% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.23% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.41% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.41% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.46% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.46% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.01% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.01% | $100,000 | $199,999 |
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|
Loan Rates - November 7, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for United Bay Community
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2262032 License#: RM.804810.000 |
6.391% | 6.250% | 1.00 | $4,800 | $1,971 | Learn More |
NMLS ID: 2578474 |
6.596% | 6.500% | 0.63 | $3,210 | $2,023 | Learn More |
NMLS ID: 1025894 |
6.993% | 6.875% | 1.00 | $3,852 | $2,103 | Learn More |
NMLS ID: 3030 |
7.313% | 7.250% | 0.63 | $2,000 | $2,183 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to United Bay Community
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Branches
Below are United Bay Community branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
United Bay Community Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 206.96 | A | View Lobby Hours | |
| 215.29 | B | View Lobby Hours | |
| 255.93 | C | View Lobby Hours | |
| 257.80 | D | View Lobby Hours | |
| 274.00 | E | View Lobby Hours |
Climate Policy and Initiatives
UNITED BAY COMMUNITY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
United Bay Community Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of United Bay Community. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| United Bay Community | U.S. Average |
|---|---|
| 5.38% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, United Bay Community had $1,107,944 in non-current loans and $25,875 in owned assets. To cover these potential losses it had $20,679,496 in net worth and $384,259 in loans loss reserves. That gives it a Texas Ratio of 5.38%.
Net Worth
| United Bay Community | U.S. Average |
|---|---|
| 7.45% | 13.93% |
United Bay Community FCU has a net worth of 7.45% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for United Bay Community
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