United Bay Community Credit Union

Headquarters

1309 N Lincoln St
Bay City, MI 48708
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 5.50% →
1-Year CD 0.41% 4.80% →
2-Year CD 0.50% 4.25% →
5-Year CD 1.01% 4.00% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

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 22, 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 Learn More
Money Market
0.08% $10,000 $14,999 Learn More
Money Market
0.12% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.23% $10,000 $14,999 Learn More
6 Mo CD
0.23% $100,000 $199,999 Learn More
12 Mo CD
0.41% $10,000 $14,999 Learn More
12 Mo CD
0.41% $100,000 $199,999 Learn More
18 Mo CD
0.46% $10,000 $14,999 Learn More
18 Mo CD
0.46% $100,000 $199,999 Learn More
24 Mo CD
0.50% $10,000 $14,999 Learn More
24 Mo CD
0.50% $100,000 $199,999 Learn More
30 Mo CD
0.60% $10,000 $14,999 Learn More
30 Mo CD
0.60% $100,000 $199,999 Learn More
36 Mo CD
0.65% $10,000 $14,999 Learn More
36 Mo CD
0.65% $100,000 $199,999 Learn More
48 Mo CD
0.85% $10,000 $14,999 Learn More
48 Mo CD
0.85% $100,000 $199,999 Learn More
60 Mo CD
1.01% $10,000 $14,999 Learn More
60 Mo CD
1.01% $100,000 $199,999 Learn More

Loan Rates - November 22, 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
Pure Rate Mortgage
NMLS ID: 2578474
6.494% 6.375% 0.88 $4,010 $1,997 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.953% 6.875% 0.63 $2,534 $2,103 Learn More
Rocket Mortgage
NMLS ID: 3030
7.225% 7.125% 1.00 $3,200 $2,156 Learn More
Veterans United Home Loans
NMLS ID: 1907
Learn More

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
Intro APR
7.240 %
After Intro: 7.240 %
$0 Learn More
More Info

Note to United Bay Community
To upload and update your bank's rates please register. It is free to register and add rates.

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




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.


Add Your Review


or use your BestCashCow account

or

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

There are currently no comments for UNITED BAY COMMUNITY. Be the first to share your experience. Please provide comments that will help others.


Add Your Review


or use your BestCashCow account

or