Bay City, MI 48708

Notable Rates APY Vs.Others
Savings N.A. 2.20% →
1-Year CD 0.41% 2.25% →
2-Year CD 0.50% 2.30% →
5-Year CD 1.01% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 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 $197.59 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
Charter Number # # 61186
Date Established 1949
Assets $197.59 million
Loans $127.35 million
Deposits $178.67 million
Capital $17.17 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 - January 27, 2020

Your Current Location: Washington, WA 98109

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.06% $1,501 $5,000 Learn MoreShow Less
Money Market
0.08% $5,001 $15,000 Learn MoreShow Less
Money Market
0.12% $25,001 $50,000 Learn MoreShow Less
Fixed IRA
0.41% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.14% $500 - Learn MoreShow Less
6 Mo CD
0.23% $500 - Learn MoreShow Less
12 Mo CD
0.41% $500 - Learn MoreShow Less
18 Mo CD
0.46% $500 - Learn MoreShow Less
24 Mo CD
0.50% $500 - Learn MoreShow Less
30 Mo CD
0.60% $500 - Learn MoreShow Less
36 Mo CD
0.65% $500 - Learn MoreShow Less
48 Mo CD
0.85% $500 - Learn MoreShow Less
60 Mo CD
1.01% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.02% $5 - Learn MoreShow Less

Loan Rates - January 27, 2020

Your Current Location: Washington, WA 98109

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 - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 520-CL-25944
3.384% 3.375% 0.13 $285 $1,106 Learn More
Hart West Financial Inc.
NMLS ID: 116830
3.140% 3.125% 0.25 $475 $1,071 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

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


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:

United Bay Community Locations

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
6.07% 5.86

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, 2019, United Bay Community had $1,062,624 in non-current loans and $40,141 in owned assets. To cover these potential losses it had $17,171,755 in net worth and $1,003,110 in loans loss reserves. That gives it a Texas Ratio of 6.07%.

Net Worth
United Bay Community U.S. Average
8.69% 13.65%

United Bay Community FCU has a net worth of 8.69% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About United Bay Community

Branches and Savings

What is United Bay Community?

A federal credit union, registered with the NCUA under certificate #61186.
Learn more about credit unions here.

Is United Bay Community FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join United Bay Community?

Please see Field of Membership information above for information on who is eligible to join.

What are United Bay Community's share account and share certificate rates?

United Bay Community's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is United Bay Community?

United Bay Community has total capital of $17.17 million. Full information on United Bay Community's financial position is located above.

Who owns United Bay Community?

Credit Unions are owned by their members.

Where are United Bay Community branches located?

See branch locations nearby.

Are United Bay Community ATMs Open 24/7?

Do United Bay Community ATMs accept cash deposits?

Can United Bay Community customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does United Bay Community have a mobile app?

Does United Bay Community have mobile deposit?

Does United Bay Community have quick pay?

How can United Bay Community transfer money to other banks or credit unions?

Does United Bay Community report to credit bureaus?

Does United Bay Community use Chexsystems?

Does United Bay Community use Equifax?

What is United Bay Community's toll free phone number?

What is United Bay Community's ACH Routing Number?

What is United Bay Community's SWIFT code?

Where can I find United Bay Community's wire transfer form?

What is the United Bay Community address for deposits?

What Products Does United Bay Community Offer

Does United Bay Community offer mortgages?

Compare mortgage rates here.

Does United Bay Community offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does United Bay Community offer auto and RV loans?

Compare auto loan rates here.

Does United Bay Community offer student loans or personal loans?

Compare personal loan rates here.

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