United bay community credit union online banking login

Apply for a UBCCU Loan

Members of United Bay Community Credit Union can apply for consumer loans through their Ubay@Home - our online banking portal.

UBCCU members can also apply for mortgages online through our dedicated Mortgage Application System. Apply Online 

Personal Loans As low as 3.99% APR
Auto Loans As low as APR
VISA® Credit Cards As low as 8.96% APR

Not a Member of UBCCU? Send us a message through our secure contact form that includes your name, phone number and what kind of loan you’re looking for. One of our Loan Officers will reach out to you shortly.

If you’d rather stop in to apply, visit the branch closest to you. You can also call to set up a time or ask any questions you might have. All rates are subject to change without prior notice. Other terms and conditions may apply.

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Find a Location

Legend

 Drive-thru

 Onsite ATM

 Onsite ITM

 Night Deposit

 ATM Accepts Check Deposits

 ATM Accepts Cash Deposits

 Express Branch - Self Service Only

United Bay Community Credit Union Branch

Lincoln

1309 N. Lincoln Ave.
Bay City, MI 48708

Phone: (989) 892-4597

Fax: (989) 892-5701

Lobby Hours
Monday - Friday: 9am - 5pm

Drive Thru Hours
Monday - Friday: 9am - 5pm
Saturday: 9am-12pm

*The Lincoln Branch is closed until 10:00 am on the third Wednesday of each month for staff training.

Euclid

3939 N. Euclid Ave.
Bay City, MI 48706

Phone: (989) 892-4597

Fax: (989) 686-2976

Lobby Hours
Monday - Friday: 9am - 5pm

Drive Thru Hours
Monday - Friday: 9am - 6pm
Saturday: 9am-12pm

*The Euclid Branch is closed until 10:00 am on the third Wednesday of each month for staff training.

Pinconning

205 S. Mable Street PO Box 925
Pinconning, MI 48650

Phone: (989) 892-4597

Lobby Hours
Monday - Friday: 9am - 5pm

Drive Thru Hours
Monday - Friday: 9am - 5pm
Saturday: 9am-12pm

*The Pinconning Branch is closed until 10:00 am on the third Wednesday of each month for staff training.

Coleman

375 E. Railway Street
Coleman, MI 48618

Phone: (989) 892-4597

Lobby Hours
Monday - Friday: 9am - 5pm

Drive Thru Hours
Monday - Friday: 9am - 5pm
Saturday: 9am-12pm

*The Coleman Branch is closed until 10:00 am on the third Wednesday of each month for staff training.

Portage Branch

233 W. Centre Ave.
Portage, MI 49024

Phone: (989) 892-4597

Fax: (269) 381-1731

Lobby Hours
Monday - Friday: 9am - 5pm

Drive Thru

Monday - Friday: 9am - 5pm

Saturday: 9am-12pm

*The Portage Branch is closed until 10:00 am on the third Wednesday of each month for staff training.

Mattawan Branch

52800 N. Main Street
Mattawan, MI 49071

Phone: (989) 892-4597

Fax: (269) 668-6446

Lobby 
Monday - Friday: 9am - 5pm

Drive Thru Hours

Monday - Friday: 9am - 5pm
Saturday: 9am-12pm 

*The Mattawan Branch is closed until 10:00 am on the third Wednesday of each month for staff training.

Holidays may affect the open hours of our branch locations. For a schedule of holiday hours, click here.

We also have an ATM inside the GM Powertrain Plant (100 Fitzgerald Street, Bay City, Michigan 48708) and the Saginaw Metal Castings Operation (SMCO) GM Powertrain. Please note this location is accessible only to plant employees.

United Bay Community Credit Union is also proud to be a member of the CO-OP Network. As a member of UBCCU, you’ll have access to nearly 30,000 surcharge-free ATMs and more than 5,000 shared branches across the United States and Canada. Find out more, including locations of CO-OP ATMs and service centers, on our CO-OP ATM Network page.

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Connecting with UBCCU on your terms, has never been easier.

If you want the face to face interaction, we have 5 locations to serve you. You can connect remotely with UBCCU for banking on your own time and at your own location through out many online services.

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