1309 N Lincoln St
Bay City, MI 48708
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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 |
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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|
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:
Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
---|---|---|---|---|---|---|
NMLS ID: 1025894 |
6.960% | 6.875% | 0.63 | $2,764 | $2,103 | Learn More |
NMLS ID: 2592312 License#: RM.805266.000 |
6.966% | 6.875% | 0.50 | $3,145 | $2,103 | Learn More |
NMLS ID: 3030 |
7.338% | 7.250% | 0.88 | $2,800 | $2,183 | Learn More |
NMLS ID: 491986 |
Learn More |
Lender | APR (%)? | Monthly Payment? | Learn More |
---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 6.990 % After Intro: 6.990 % |
$0 |
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More Info |
Rate See Table |
Intro APR 7.900 % After Intro: 7.900 % |
$25,000 |
Learn More
More Info |
Note to United Bay Community
To upload and update your bank's rates please register.
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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
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 |
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.
or use your BestCashCow account
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.
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%.
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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